RealityCents — Hawaii Mortgage & VA Loan Calculators

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Measured conclusion: Deep-tested. L2 outcome: tools_ok.

Read-only Hawaii mortgage and VA loan calculators from RealityCents.com. No personal data collected.

Author	io.github.jaymiller-cmg
Access	remote
Publisher key required	No
Measured state	Deep-tested
L1 liveness	alive
L1 latency	531 ms
Last measured	2026-10-24

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Copy this into your MCP client config:

{
  "mcpServers": {
    "RealityCents — Hawaii Mortgage & VA Loan Calculators": {
      "url": "https://realitycents-mcp.jaymiller.workers.dev/mcp",
      "transport": "streamable-http"
    }
  }
}

Measured tools (10)

calculate_mortgage_payment read-only
Estimate PITI for a Hawaii purchase: principal and interest, property tax, insurance, HOA, and PMI, FHA MIP, or a financed VA funding fee. Read-only. Do not send a name, email, phone, SSN, or street address. Rates are examples, not quotes.
Parameters:
- price (required) — number — Purchase price in dollars.
- rate — number — Annual note rate as a percent. Default 6.5 is an example, not a quote.
- loanType — string
- termYears — integer — Amortizing term in years.
- hoaMonthly — number — HOA or maintenance fee in dollars per month.
- vaFirstUse — boolean — VA funding fee: true = first use. Ignored for other loan types.
- creditScore — integer — Optional FICO for conventional PMI. Omit it to use LTV-only PMI tiers. Do not send a name or SSN.
- downPayment — number — Down payment. Defaults: VA 0%, FHA 3.5%, conventional 5%, jumbo 10% when downPaymentUnit is percent.
- pointsPercent — number — Discount points as a percent of the total loan. Affects cash to close, not the note rate.
- downPaymentUnit — string
- insuranceMonthly — number — Homeowner's insurance in dollars per month. Default $150 is a planning placeholder, not a quote.
- monthlyTaxOverride — number — Monthly property tax in dollars. A value above 0 replaces the tax-rate calculation.
- vaDisabilityExempt — boolean — True if the borrower is exempt from the VA funding fee.
- propertyTaxRatePercent — number — Annual property tax as a percent of price. Default 0.35 is Honolulu County residential.
Hints: read-only yes · destructive no · idempotent yes · open-world no
calculate_affordability read-only
Estimate a maximum purchase price from gross monthly income, monthly debts, and a DTI target (default 45 for VA and FHA, 41 for conventional and jumbo). Returns the payment at that price. Read-only. No personal identifiers.
Parameters:
- grossMonthlyIncome (required) — number — Gross monthly income in dollars. Do not send a name or employer.
- rate — number — Annual note rate as a percent. Default 6.5 is an example, not a quote.
- loanType — string
- dtiTarget — number — Housing-plus-debts DTI cap as a percent. Defaults to 45 for VA and FHA, 41 for conventional and jumbo.
- termYears — integer — Amortizing term in years.
- hoaMonthly — number — HOA or maintenance fee in dollars per month.
- vaFirstUse — boolean — VA funding fee: true = first use. Ignored for other loan types.
- creditScore — integer — Optional FICO for conventional PMI. Omit it to use LTV-only PMI tiers. Do not send a name or SSN.
- downPayment — number
- monthlyDebts — number — Monthly debt payments already owed (car, cards, student loans).
- downPaymentUnit — string
- insuranceMonthly — number — Homeowner's insurance in dollars per month. Default $150 is a planning placeholder, not a quote.
- monthlyTaxOverride — number — Monthly property tax in dollars. A value above 0 replaces the tax-rate calculation.
- vaDisabilityExempt — boolean — True if the borrower is exempt from the VA funding fee.
- propertyTaxRatePercent — number — Annual property tax as a percent of price. Default 0.35 is Honolulu County residential.
Hints: read-only yes · destructive no · idempotent yes · open-world no
va_purchase_power read-only
Estimate Honolulu County military income (base pay, BAH, BAS, COLA) and a VA purchase price from pay grade, years of service, and dependents. Uses the RealityCents 2026 pay tables. Read-only. Do not send a name or SSN.
Parameters:
- payGrade (required) — string — Military pay grade. BAH is Honolulu County (HI408) 2026.
- rate — number — Example annual rate passed into the site purchase-power solver. Not a quote.
- maxDti — number — Planning DTI used by the RealityCents Military Buying Power calculator. Not a VA approval cap.
- dependents — integer — Dependent count. More than zero uses the with-dependents BAH rate. COLA uses this count.
- hoaMonthly — number
- otherDebts — number — Other monthly debt payments.
- vaFirstUse — boolean
- downPayment — number — Down payment in dollars. Default $0.
- yearsOfService — number
- insuranceMonthly — number
- monthlyTaxOverride — number
- vaDisabilityExempt — boolean
- propertyTaxRatePercent — number
Hints: read-only yes · destructive no · idempotent yes · open-world no
va_remaining_entitlement read-only
For a Hawaii county, compute remaining VA entitlement, the max $0-down loan, and the 25% down payment on any amount above that. $0 already in use is treated as full entitlement (no county cap). Read-only.
Parameters:
- county (required) — string — Hawaii county for the 2026 FHFA one-unit conforming limit.
- entitlementAlreadyInUse (required) — number — VA entitlement already in use, in dollars, based on the original loan amount of any VA loan not yet restored (generally 25% of that original amount); your COE shows the exact figure. $0 is treated as full entitlement.
- purchasePrice (required) — number
Hints: read-only yes · destructive no · idempotent yes · open-world no
compare_loans read-only
Compare 2 to 4 loan scenarios (type, rate, down payment, term, discount points) on one purchase price. Returns payment, an illustrative cash-to-close, and total interest. Read-only. Rates are examples.
Parameters:
- purchasePrice (required) — number
- scenarios (required) — array
- hoaMonthly — number
- vaFirstUse — boolean
- creditScore — integer
- insuranceMonthly — number
- monthlyTaxOverride — number
- vaDisabilityExempt — boolean
- propertyTaxRatePercent — number
Hints: read-only yes · destructive no · idempotent yes · open-world no
calculate_buydown read-only
Year-by-year principal-and-interest and subsidy cost for a 2-1, 1-0, or 3-2-1 temporary buydown, or the upfront cost of permanent discount points. Read-only. The note rate is an example, not a quote.
Parameters:
- loanAmount (required) — number
- noteRate (required) — number — Note rate as a percent. Example only, not a quote.
- buydownType (required) — string
- points — number — For permanent-points only: number of discount points. 1 point = 1% of the loan amount. Defaults to 1.
- termYears — integer
Hints: read-only yes · destructive no · idempotent yes · open-world no
rent_vs_buy read-only
Compare cumulative rent with the net cost of buying over a holding period, using Honolulu's 0.35% tax default unless you override it. Read-only. Not a price or rent forecast.
Parameters:
- monthlyRent (required) — number — Current monthly rent.
- price (required) — number
- rate — number
- years — integer
- loanType — string
- termYears — integer
- hoaMonthly — number
- vaFirstUse — boolean
- creditScore — integer
- downPayment — number
- downPaymentUnit — string
- insuranceMonthly — number
- rentGrowthPercent — number — Annual rent growth, percent.
- maintenanceMonthly — number — Owner maintenance in dollars per month, held flat.
- sellingCostPercent — number — Percent of the ending value treated as a selling cost. Default 0.
- vaDisabilityExempt — boolean
- appreciationPercent — number — Annual home appreciation, percent.
- propertyTaxRatePercent — number
Hints: read-only yes · destructive no · idempotent yes · open-world no
hawaii_mortgage_guidance read-only
Concise factual notes on Hawaii property tax, VA loans, leasehold versus fee simple, VA condo approval, 2026 loan limits, BAH/COLA, closing costs, or pre-approval steps. Drawn from RealityCents articles. No rate quotes. Read-only.
Parameters:
- topic (required) — string
Hints: read-only yes · destructive no · idempotent yes · open-world no
lookup_va_condo read-only
Check whether an Oahu condo project is on the VA's accepted condo list, by project name (fuzzy), building address, or VA condo ID. Returns status, VA ID, the data date, and the VA's official lookup link to verify. Oahu only for now. Read-only. Do not send a unit number or personal information. VA approval status does not guarantee loan approval.
Parameters:
- query (required) — string — Condo project name (fuzzy, okina and spelling variations OK), building street address, or VA condo ID such as 002372. Do not send a unit number, a person's name, or other personal information.
- limit — integer — Maximum matches to return. Default 5.
Hints: read-only yes · destructive no · idempotent yes · open-world no
get_preapproval_link read-only
Return Jay Miller's public CMG Home Loans application link and published business contact. Does not ask for or store personal information.
Hints: read-only yes · destructive no · idempotent yes · open-world no

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