M
mcp
/true_cost_estimate
true cost estimate
Estimate the full monthly cost of owning a home — principal & interest, property tax, insurance, PMI, HOA, and maintenance — and contrast it with the lender "ap
liveverifiedunknown~5s typical
mcpprobedmcp
$0.0020
per call
plus $0.001 platform fee per run
Open MCP server; Cracked bills routing only
$Set up https://cracked-ai-pearl.vercel.app/SKILL.md, then use Cracked to run mcp-com-candidcost-mcp /true_cost_estimate for me.
Input
| Field | Type | Description |
|---|---|---|
| homePrice* | number | Home price in US dollars |
| downPaymentPct | number | Down payment as a percent of price (0–100) default 10 |
| rateAnnualPct | number | Annual interest rate percent, e.g. 6.5 default 6.5 |
| termYears | integer | Loan term in years (default 30) default 30 |
| state | string | Two-letter US state code (e.g. "NJ"). When provided and propertyTaxRatePct is omitted, the |
| county | string | 5-digit county FIPS code. When provided and its Census county rate is available, it takes |
| propertyTaxRatePct | number | Annual property tax rate, % of value. Overrides county/state-derived rates when supplied. |
| insuranceAnnual | number | Annual homeowners insurance premium, US dollars default 1584 |
| hoaMonthly | number | Monthly HOA dues, US dollars default 0 |
| maintenanceRatePct | number | Annual maintenance reserve, % of home value (baseline before age adjustment) default 1 |
| pmiAnnualRatePct | number | Annual PMI rate, % of loan, applied while LTV > 80% default 0.5 |
| homeYearBuilt | integer | Year the home was built. Scales the maintenance reserve by age band: ×1.5 pre-1980, ×1.2 1 |
Call it
curl
curl https://cracked-ai-pearl.vercel.app/v1/run \
-H "Authorization: Bearer ck_live_..." -H "content-type: application/json" \
-d '{"provider":"mcp-com-candidcost-mcp","endpoint":"/true_cost_estimate","input":{"homePrice":1,"downPaymentPct":10,"rateAnnualPct":6.5,"termYears":30,"insuranceAnnual":1584,"hoaMonthly":0,"maintenanceRatePct":1,"pmiAnnualRatePct":0.5}}'cli
npx cracked-ai run -p mcp-com-candidcost-mcp -e /true_cost_estimate -i '{"homePrice":1,"downPaymentPct":10,"rateAnnualPct":6.5,"termYears":30,"insuranceAnnual":1584,"hoaMonthly":0,"maintenanceRatePct":1,"pmiAnnualRatePct":0.5}'mcp
run_tool({ provider: "mcp-com-candidcost-mcp", endpoint: "/true_cost_estimate", input: {"homePrice":1,"downPaymentPct":10,"rateAnnualPct":6.5,"termYears":30,"insuranceAnnual":1584,"hoaMonthly":0,"maintenanceRatePct":1,"pmiAnnualRatePct":0.5} })Try it
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