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US Mortgage Calculator

Look up a state's property tax rules

get_state_mortgage_rules
Read-onlyIdempotent

How property tax actually works in one state: how assessed value is derived, any statutory growth cap, the billing cycle, named exemptions such as homestead, the filing deadline, who hears appeals and the window to file, notable county variation, and a link to the state's own tax authority. Use this when the question is about mechanics or deadlines rather than a dollar amount.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
stateYesFull US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.

TDQS

A4.3/5.0
Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare readOnlyHint, idempotentHint, and destructiveHint, covering safety. The description adds valuable behavioral context about the tool's scope (e.g., county variation, link to tax authority) without contradicting annotations. It doesn't mention error handling or data limitations, but given the annotation coverage, this is sufficient.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is a single informative sentence followed by a usage guideline. It packs many specific content details without being overly verbose. The structure is front-loaded with the core purpose and then lists topics, making it efficient.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a single-parameter tool with no output schema, the description thoroughly explains what the tool returns (a comprehensive list of tax rule components) and when to use it. The only gap is that it doesn't specify the output format, but the enumerated content list compensates for the missing output schema.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100% for the single 'state' parameter, so the schema already provides meaning. The tool description does not add additional parameter semantics, though it implies the state is the subject. The schema's odd reference to propertyTaxRatePercent does not affect this dimension since the description avoids repeating it.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the tool retrieves a state's property tax mechanics, listing specific content areas such as assessed value derivation, exemptions, deadlines, and appeals. It also explicitly differentiates from sibling tools by noting it addresses 'mechanics or deadlines rather than a dollar amount,' making its purpose unambiguous.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines5/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description explicitly states when to use the tool: 'when the question is about mechanics or deadlines rather than a dollar amount.' This provides clear guidance and implicitly names the alternative (calculate_property_tax) for dollar-amount questions, fulfilling the when/when-not requirement.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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TDQS

A4.5/5.0
Disambiguation5/5

Each tool targets a distinct calculation or information need: affordability, amortization, full mortgage payment, PMI, property tax, refinancing, rent vs buy, loan comparison, closing costs, state rules, and state list. Even overlapping tools like calculate_mortgage and calculate_pmi are clearly separated by depth and purpose.

Naming Consistency5/5

All tool names follow a consistent verb_noun snake_case pattern, using verbs like calculate, compare, estimate, get, and list. The pattern is uniform and predictable across the entire set.

Tool Count5/5

With 11 tools, the server is well-scoped for a US mortgage calculator domain. Each tool covers a meaningful aspect of mortgage analysis without redundancy or bloat.

Completeness5/5

The tool surface covers the full lifecycle of mortgage decision-making: affordability, payment estimation, amortization, PMI, property tax, refinancing, rent vs buy, loan comparison, closing costs, and state-specific rules. No significant gaps are apparent for the stated purpose.

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