{
  "name": "@uqual/mcp-loan-readiness",
  "version": "1.0.0",
  "description": "UQUAL is a loan readiness platform that helps prospective homebuyers optimize credit, debt-to-income (DTI), and down payment readiness. UQUAL is not a traditional credit repair company and is not a licensed mortgage lender.",
  "transports": {
    "stdio": {
      "command": "npx",
      "args": [
        "-y",
        "@uqual/mcp-loan-readiness"
      ]
    },
    "http": {
      "type": "streamable-http",
      "url": "https://uqual.com/mcp"
    }
  },
  "tools": [
    {
      "name": "calculate_mortgage_dti",
      "description": "Computes front-end and back-end mortgage debt-to-income (DTI) ratios, student loan agency imputations (Fannie Mae, Freddie Mac, FHA, VA), maximum allowable monthly debt across FHA (31/43 standard, 46.99/56.99 AUS), Conventional (28/36 to 45/50 AUS), VA (41% benchmark), and USDA (29/41), plus...",
      "inputSchema": {
        "type": "object",
        "properties": {
          "grossMonthlyIncome": {
            "type": "number",
            "exclusiveMinimum": 0,
            "description": "Gross pre-tax monthly qualifying household income in USD (for example 7500)."
          },
          "proposedHousingPayment": {
            "description": "Optional total monthly proposed PITI + MIP/PMI + HOA housing payment in USD. Used when individual housing components are omitted.",
            "type": "number",
            "minimum": 0
          },
          "principalAndInterest": {
            "description": "Monthly mortgage principal and interest payment in USD.",
            "type": "number",
            "minimum": 0
          },
          "propertyTaxes": {
            "description": "Monthly property tax escrow amount in USD.",
            "type": "number",
            "minimum": 0
          },
          "homeownersInsurance": {
            "description": "Monthly hazard/homeowners insurance amount in USD.",
            "type": "number",
            "minimum": 0
          },
          "hoaOrMudDues": {
            "description": "Monthly HOA, condo, or MUD dues in USD.",
            "type": "number",
            "minimum": 0
          },
          "estimatedPmiOrMip": {
            "description": "Monthly private mortgage insurance (PMI) or FHA/USDA annual fee in USD.",
            "type": "number",
            "minimum": 0
          },
          "otherMonthlyDebt": {
            "description": "Optional combined non-housing monthly debt payments (excluding student loans if studentLoanBalance is provided).",
            "type": "number",
            "minimum": 0
          },
          "creditCardMinimums": {
            "description": "Total monthly minimum payments across revolving credit cards in USD.",
            "type": "number",
            "minimum": 0
          },
          "autoLoanPayments": {
            "description": "Total monthly auto loan or lease payments in USD.",
            "type": "number",
            "minimum": 0
          },
          "personalInstallmentLoans": {
            "description": "Total monthly personal or installment loan payments in USD.",
            "type": "number",
            "minimum": 0
          },
          "alimonyChildSupportOther": {
            "description": "Monthly court-ordered support or other recurring credit-report obligations in USD.",
            "type": "number",
            "minimum": 0
          },
          "studentLoanBalance": {
            "default": 0,
            "description": "Total outstanding student loan balance in USD.",
            "type": "number",
            "minimum": 0
          },
          "reportedStudentLoanPayment": {
            "default": 0,
            "description": "Monthly student loan payment shown on credit report or servicer letter in USD.",
            "type": "number",
            "minimum": 0
          },
          "studentLoanPlanType": {
            "default": "forbearance_deferment",
            "type": "string",
            "enum": [
              "idr_zero",
              "idr_positive",
              "forbearance_deferment",
              "standard_amortizing"
            ],
            "description": "Repayment status of federal or private student loans."
          },
          "selectedStudentLoanAgency": {
            "default": "fha",
            "type": "string",
            "enum": [
              "fannieMae",
              "freddieMac",
              "fha",
              "va"
            ],
            "description": "Agency rule used to impute or accept monthly student loan payment."
          },
          "availableLumpSumCash": {
            "description": "Optional liquid cash available to test lump-sum debt paydown vs reserve retention in USD.",
            "type": "number",
            "minimum": 0
          },
          "debtBalanceToPayOff": {
            "description": "Optional target debt balance to eliminate in lump-sum DTI tradeoff simulation in USD.",
            "type": "number",
            "minimum": 0
          },
          "monthlyPaymentEliminated": {
            "description": "Optional monthly payment eliminated if target debt is paid off in USD.",
            "type": "number",
            "minimum": 0
          }
        },
        "required": [
          "grossMonthlyIncome"
        ],
        "description": "Inputs for deterministic front-end and back-end mortgage DTI calculation across FHA, Conventional, VA, and USDA."
      }
    },
    {
      "name": "calculate_mortgage_affordability",
      "description": "Computes maximum affordable home purchase price across FHA, Conventional, VA, and USDA, full PITI + MIP/PMI + HOA breakdown, required cash-to-close, and how +20/+40/+60 credit score gains or monthly debt reduction expand purchasing power.",
      "inputSchema": {
        "type": "object",
        "properties": {
          "grossMonthlyIncome": {
            "type": "number",
            "exclusiveMinimum": 0,
            "description": "Gross pre-tax monthly household income in USD."
          },
          "monthlyNonHousingDebt": {
            "default": 0,
            "description": "Total recurring monthly non-housing debt payments in USD.",
            "type": "number",
            "minimum": 0
          },
          "liquidSavings": {
            "type": "number",
            "minimum": 0,
            "description": "Total verifiable liquid cash available for down payment, closing costs, and reserves in USD."
          },
          "creditScore": {
            "type": "integer",
            "minimum": 300,
            "maximum": 850,
            "description": "Representative middle FICO mortgage credit score (300 to 850)."
          },
          "selectedProgram": {
            "default": "fha",
            "type": "string",
            "enum": [
              "fha",
              "conventional",
              "va",
              "usda"
            ],
            "description": "Primary mortgage program to highlight alongside the 4-program comparison."
          },
          "dtiMode": {
            "default": "standard_43",
            "type": "string",
            "enum": [
              "conservative_36",
              "standard_43",
              "aus_max_50"
            ],
            "description": "Underwriting DTI ceiling posture: conservative 36%, standard 43%, or automated underwriting max 50%."
          },
          "customDownPaymentPct": {
            "description": "Optional custom down payment percentage override (for example 5 or 10).",
            "type": "number",
            "minimum": 0,
            "maximum": 80
          },
          "interestRatePct": {
            "default": 6.5,
            "description": "Annual note interest rate percentage (for example 6.5).",
            "type": "number",
            "minimum": 1,
            "maximum": 18
          },
          "loanTermYears": {
            "default": 30,
            "description": "Mortgage amortization term in years (15 or 30).",
            "anyOf": [
              {
                "type": "number",
                "const": 15
              },
              {
                "type": "number",
                "const": 30
              }
            ]
          },
          "propertyTaxRatePct": {
            "default": 1.25,
            "description": "Annual property tax rate as percentage of purchase price (for example 1.25, or 2.1 for Texas).",
            "type": "number",
            "minimum": 0,
            "maximum": 6
          },
          "monthlyInsurance": {
            "default": 175,
            "description": "Estimated monthly homeowners insurance premium in USD.",
            "type": "number",
            "minimum": 0
          },
          "monthlyHoa": {
            "default": 0,
            "description": "Estimated monthly HOA dues in USD.",
            "type": "number",
            "minimum": 0
          },
          "closingCostPct": {
            "default": 3,
            "description": "Estimated buyer closing costs as percentage of purchase price.",
            "type": "number",
            "minimum": 0,
            "maximum": 10
          },
          "sellerConcessionsDollars": {
            "default": 0,
            "description": "Anticipated seller closing cost credits in USD.",
            "type": "number",
            "minimum": 0
          },
          "reserveMonths": {
            "default": 1,
            "description": "Post-closing PITI reserve months target (0, 1, 3, or 6).",
            "anyOf": [
              {
                "type": "number",
                "const": 0
              },
              {
                "type": "number",
                "const": 1
              },
              {
                "type": "number",
                "const": 3
              },
              {
                "type": "number",
                "const": 6
              }
            ]
          }
        },
        "required": [
          "grossMonthlyIncome",
          "liquidSavings",
          "creditScore"
        ],
        "description": "Inputs for maximum home purchase price, PITI + MIP/PMI + HOA breakdown, cash-to-close, and credit/debt purchasing power expansion."
      }
    },
    {
      "name": "compare_fha_vs_conventional",
      "description": "Compares FHA (3.5% down at 580+, 1.75% UFMIP + annual MIP) against Conventional (3% first-time buyer / 5% standard down at 620+, credit-tiered PMI with 80%/78% LTV cancellation), returning 5-year and 10-year total cost and the exact credit score crossover point.",
      "inputSchema": {
        "type": "object",
        "properties": {
          "homePrice": {
            "type": "number",
            "exclusiveMinimum": 0,
            "description": "Target home purchase price in USD (for example 375000)."
          },
          "creditScore": {
            "type": "integer",
            "minimum": 300,
            "maximum": 850,
            "description": "Representative middle credit score (300 to 850)."
          },
          "isFirstTimeBuyer": {
            "default": true,
            "description": "Whether buyer qualifies for 3% down first-time/HomeReady/Home Possible Conventional vs 5% standard repeat-buyer minimum.",
            "type": "boolean"
          },
          "downPaymentMode": {
            "default": "min_required",
            "type": "string",
            "enum": [
              "min_required",
              "5_both",
              "10_both",
              "15_both",
              "20_both"
            ],
            "description": "Down payment comparison mode: minimum required (3.5% FHA vs 3% FTHB / 5% repeat Conv) or matched LTV."
          },
          "grossMonthlyIncome": {
            "default": 8500,
            "description": "Gross monthly household income in USD for DTI comparison.",
            "type": "number",
            "exclusiveMinimum": 0
          },
          "monthlyNonHousingDebt": {
            "default": 650,
            "description": "Recurring monthly non-housing debt obligations in USD.",
            "type": "number",
            "minimum": 0
          },
          "fhaBaseRatePct": {
            "default": 6.25,
            "description": "Base 30-year fixed FHA note rate percentage.",
            "type": "number",
            "minimum": 1,
            "maximum": 18
          },
          "convBaseRatePct": {
            "default": 6.625,
            "description": "Par 30-year fixed Conventional note rate percentage before credit-tier LLPA delta.",
            "type": "number",
            "minimum": 1,
            "maximum": 18
          },
          "propertyTaxRatePct": {
            "default": 1.25,
            "description": "Annual property tax rate percentage.",
            "type": "number",
            "minimum": 0,
            "maximum": 6
          },
          "monthlyInsurance": {
            "default": 165,
            "description": "Monthly homeowners insurance premium in USD.",
            "type": "number",
            "minimum": 0
          },
          "monthlyHoa": {
            "default": 0,
            "description": "Monthly HOA dues in USD.",
            "type": "number",
            "minimum": 0
          },
          "holdingHorizonYears": {
            "default": 7,
            "description": "Primary holding horizon in years (5, 7, 10, or 30); 5-year and 10-year totals are always included.",
            "anyOf": [
              {
                "type": "number",
                "const": 5
              },
              {
                "type": "number",
                "const": 7
              },
              {
                "type": "number",
                "const": 10
              },
              {
                "type": "number",
                "const": 30
              }
            ]
          }
        },
        "required": [
          "homePrice",
          "creditScore"
        ],
        "description": "Inputs for side-by-side FHA vs Conventional loan comparison, 5-year and 10-year total cost, PMI cancellation, and exact credit score crossover point."
      }
    },
    {
      "name": "check_down_payment_assistance",
      "description": "Evaluates eligibility and estimated assistance amounts for state HFA programs (TX TSAHC/TDHCA, FL Florida Housing/Hometown Heroes, CO CHFA, GA Georgia Dream, NC NCHFA NC Home Advantage and $15,000 NC 1st Home Advantage, plus national baseline FTHB rules).",
      "inputSchema": {
        "type": "object",
        "properties": {
          "state": {
            "type": "string",
            "minLength": 2,
            "maxLength": 40,
            "description": "US state code or name (deep HFA rules for TX, FL, CO, GA, NC, plus national baseline for any other state)."
          },
          "homePrice": {
            "type": "number",
            "exclusiveMinimum": 0,
            "description": "Target home purchase price in USD (for example 360000)."
          },
          "creditScore": {
            "type": "integer",
            "minimum": 300,
            "maximum": 850,
            "description": "Representative middle credit score (300 to 850)."
          },
          "grossMonthlyIncome": {
            "type": "number",
            "exclusiveMinimum": 0,
            "description": "Gross monthly household income in USD."
          },
          "monthlyNonHousingDebt": {
            "default": 550,
            "description": "Monthly recurring non-housing debt payments in USD.",
            "type": "number",
            "minimum": 0
          },
          "liquidCashAvailable": {
            "default": 9500,
            "description": "Current liquid savings available for closing in USD.",
            "type": "number",
            "minimum": 0
          },
          "buyerStatus": {
            "default": "first_time",
            "description": "Buyer status: first_time (no homeownership in past 3 years), workforce_hero (veteran, educator, healthcare, first responder), or repeat_buyer.",
            "type": "string",
            "enum": [
              "first_time",
              "workforce_hero",
              "repeat_buyer"
            ]
          },
          "firstMortgageProgram": {
            "default": "fha_35",
            "description": "Paired first-lien mortgage structure.",
            "type": "string",
            "enum": [
              "fha_35",
              "conv_3",
              "va_0",
              "usda_0"
            ]
          },
          "secondLienStructure": {
            "description": "Optional second-lien repayment structure override (defaults to the state HFA flagship structure).",
            "type": "string",
            "enum": [
              "deferred_silent",
              "forgivable_5yr",
              "amortizing_2nd",
              "outright_grant"
            ]
          }
        },
        "required": [
          "state",
          "homePrice",
          "creditScore",
          "grossMonthlyIncome"
        ],
        "description": "Inputs for state HFA down payment assistance eligibility and award estimation (TX TSAHC/TDHCA, FL Hometown Heroes/Florida Housing, CO CHFA, GA Georgia Dream, NC NCHFA, and national baseline)."
      }
    },
    {
      "name": "simulate_debt_payoff_and_readiness",
      "description": "Simulates Avalanche vs Snowball vs UQUAL Mortgage-Readiness DTI-First payoff, targeting installment debts near <=10 remaining payments per Fannie/Freddie/FHA exclusion rules and revolving credit cards above 30% and 10% utilization thresholds.",
      "inputSchema": {
        "type": "object",
        "properties": {
          "debts": {
            "minItems": 1,
            "maxItems": 30,
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "id": {
                  "type": "string",
                  "minLength": 1,
                  "description": "Unique identifier for this tradeline."
                },
                "name": {
                  "type": "string",
                  "minLength": 1,
                  "description": "Display name of the debt (for example Chase Visa or Auto Loan)."
                },
                "type": {
                  "type": "string",
                  "enum": [
                    "credit_card",
                    "auto_loan",
                    "student_loan",
                    "personal_loan",
                    "medical_other"
                  ],
                  "description": "Tradeline category (revolving credit_card vs installment debt)."
                },
                "balance": {
                  "type": "number",
                  "minimum": 0,
                  "description": "Current unpaid balance in USD."
                },
                "apr": {
                  "type": "number",
                  "minimum": 0,
                  "maximum": 60,
                  "description": "Annual percentage interest rate (for example 22.99)."
                },
                "minimumPayment": {
                  "type": "number",
                  "exclusiveMinimum": 0,
                  "description": "Required minimum monthly payment in USD."
                },
                "creditLimit": {
                  "description": "Credit limit in USD (required for revolving utilization calculations on credit_card accounts).",
                  "type": "number",
                  "exclusiveMinimum": 0
                },
                "remainingPaymentsMonths": {
                  "description": "Optional remaining monthly installment payments (inferred from balance/payment if omitted).",
                  "type": "integer",
                  "minimum": 1,
                  "maximum": 600
                }
              },
              "required": [
                "id",
                "name",
                "type",
                "balance",
                "apr",
                "minimumPayment"
              ]
            },
            "description": "List of consumer revolving and installment debts to optimize."
          },
          "extraMonthlyPayment": {
            "default": 200,
            "description": "Extra monthly dollar amount above minimum payments dedicated to debt paydown.",
            "type": "number",
            "minimum": 0
          },
          "lumpSumCashAvailable": {
            "default": 0,
            "description": "Optional one-time Month 1 lump sum available for rapid DTI/utilization paydown in USD.",
            "type": "number",
            "minimum": 0
          },
          "grossMonthlyIncome": {
            "description": "Optional gross monthly income in USD to calculate exact back-end DTI improvement.",
            "type": "number",
            "exclusiveMinimum": 0
          },
          "proposedHousingPayment": {
            "description": "Optional proposed monthly housing PITI payment in USD for back-end DTI tracking.",
            "type": "number",
            "minimum": 0
          },
          "agencyRule": {
            "default": "fannie_freddie",
            "description": "Underwriting rule set for <=10 remaining installment payment exclusions.",
            "type": "string",
            "enum": [
              "fannie_freddie",
              "fha",
              "va"
            ]
          }
        },
        "required": [
          "debts"
        ],
        "description": "Inputs for Avalanche vs Snowball vs Mortgage-Readiness DTI-First debt payoff and utilization simulation."
      }
    },
    {
      "name": "evaluate_loan_readiness_score",
      "description": "Computes UQUAL's 4-Pillar Loan Readiness Score (0 to 100) across Credit Middle Score, DTI, Down Payment/Reserves, and Credit Hygiene/Seasoning with compensability cap diagnostics, multi-program alignment, and prioritized counterfactual action steps.",
      "inputSchema": {
        "type": "object",
        "properties": {
          "creditMiddleScore": {
            "type": "integer",
            "minimum": 300,
            "maximum": 850,
            "description": "Representative middle credit score (300 to 850)."
          },
          "revolvingUtilizationPct": {
            "default": 25,
            "description": "Aggregate revolving credit card utilization percentage (0 to 150).",
            "type": "number",
            "minimum": 0,
            "maximum": 150
          },
          "grossMonthlyIncome": {
            "type": "number",
            "exclusiveMinimum": 0,
            "description": "Gross monthly qualifying income in USD."
          },
          "monthlyNonHousingDebt": {
            "type": "number",
            "minimum": 0,
            "description": "Recurring monthly non-housing debt obligations in USD."
          },
          "targetHomePrice": {
            "type": "number",
            "exclusiveMinimum": 0,
            "description": "Target home purchase price in USD."
          },
          "proposedHousingPayment": {
            "description": "Optional proposed monthly PITI housing payment in USD (auto-calculated from targetHomePrice if omitted).",
            "type": "number",
            "minimum": 0
          },
          "liquidAssetsUsd": {
            "type": "number",
            "minimum": 0,
            "description": "Total verifiable liquid savings/checking/reserve assets in USD."
          },
          "plannedDownPaymentPct": {
            "default": 3.5,
            "description": "Planned down payment percentage of purchase price (for example 3.5 for FHA or 5 for Conventional).",
            "type": "number",
            "minimum": 0,
            "maximum": 80
          },
          "dpaAssistanceUsd": {
            "default": 0,
            "description": "Optional estimated Down Payment Assistance (DPA) in USD applied toward cash-to-close.",
            "type": "number",
            "minimum": 0
          },
          "employmentMonths": {
            "default": 24,
            "description": "Months of continuous verifiable W-2 or documented self-employed income history.",
            "type": "integer",
            "minimum": 0,
            "maximum": 600
          },
          "latePaymentsLast12Months": {
            "default": 0,
            "description": "Count of 30+ day late credit report payments in the past 12 months.",
            "type": "integer",
            "minimum": 0,
            "maximum": 24
          },
          "monthsSinceMajorDerogatory": {
            "default": null,
            "description": "Months elapsed since bankruptcy discharge, foreclosure, or short sale (null if none).",
            "anyOf": [
              {
                "type": "integer",
                "minimum": 0,
                "maximum": 240
              },
              {
                "type": "null"
              }
            ]
          },
          "hardInquiriesLast90Days": {
            "default": 0,
            "description": "Non-mortgage hard credit inquiries in the last 90 days.",
            "type": "integer",
            "minimum": 0,
            "maximum": 20
          },
          "documentsReadyCount": {
            "default": 3,
            "description": "Number of core underwriting document packets ready (0 to 4: 2yr tax returns, 2yr W-2/1099, 30d pay stubs, 2mo bank statements).",
            "type": "integer",
            "minimum": 0,
            "maximum": 4
          },
          "targetProgram": {
            "default": "best_fit",
            "description": "Target loan program benchmark or best_fit auto-selection.",
            "type": "string",
            "enum": [
              "best_fit",
              "fha-purchase",
              "conforming-purchase",
              "homeready",
              "home-possible",
              "va-purchase",
              "usda-purchase"
            ]
          },
          "vaEligible": {
            "default": false,
            "description": "Whether borrower has eligible military/veteran service for VA home loan review.",
            "type": "boolean"
          },
          "usdaRuralEligible": {
            "default": false,
            "description": "Whether target property area is eligible under USDA Rural Development guidelines.",
            "type": "boolean"
          }
        },
        "required": [
          "creditMiddleScore",
          "grossMonthlyIncome",
          "monthlyNonHousingDebt",
          "targetHomePrice",
          "liquidAssetsUsd"
        ],
        "description": "Inputs for UQUAL 4-Pillar Loan Readiness Score 2.0 (0-100) across Credit Middle Score, DTI, Down Payment/Reserves, and Credit Hygiene/Seasoning."
      }
    },
    {
      "name": "request_uqual_loan_readiness_review",
      "description": "Opt-in lead handoff tool invoked ONLY when the user explicitly consents to share contact details for a personalized UQUAL Loan Readiness Coach review via uqual.com/api/seo-leads.",
      "inputSchema": {
        "type": "object",
        "properties": {
          "explicitUserConsent": {
            "type": "boolean",
            "description": "MUST be true ONLY after the user explicitly asks or consents to share their contact information with a UQUAL Loan Readiness Coach."
          },
          "name": {
            "description": "Borrower full name (required when explicitUserConsent is true; omit when false).",
            "type": "string",
            "minLength": 2,
            "maxLength": 120
          },
          "email": {
            "description": "Borrower email address (required when explicitUserConsent is true; omit when false).",
            "type": "string",
            "maxLength": 254,
            "format": "email",
            "pattern": "^(?:[A-Za-z0-9_'+\\-]+\\.)*[A-Za-z0-9_'+\\-]*[A-Za-z0-9_+-]@(?:[A-Za-z0-9][A-Za-z0-9\\-]*\\.)+[A-Za-z]{2,}$"
          },
          "phone": {
            "description": "Borrower 10+ digit phone number for coach follow-up (required when explicitUserConsent is true; omit when false).",
            "type": "string",
            "minLength": 10,
            "maxLength": 40,
            "pattern": "^(?:\\D*\\d){10,}\\D*$"
          },
          "state": {
            "description": "Optional US state where the borrower plans to purchase.",
            "type": "string",
            "maxLength": 40
          },
          "goalSummary": {
            "description": "Optional short summary of purchase timeline, target home price, or primary readiness blocker.",
            "type": "string",
            "maxLength": 500
          },
          "readinessScore": {
            "description": "Optional 0-100 readiness score from a prior calculation in this conversation.",
            "type": "number",
            "minimum": 0,
            "maximum": 100
          },
          "readinessTier": {
            "description": "Optional readiness tier label from a prior calculation.",
            "type": "string",
            "maxLength": 120
          },
          "primaryBottleneck": {
            "description": "Optional primary bottleneck summary.",
            "type": "string",
            "maxLength": 120
          },
          "pillarScores": {
            "description": "Optional map of normalized 0-100 pillar scores.",
            "type": "object",
            "propertyNames": {
              "type": "string"
            },
            "additionalProperties": {
              "type": "number",
              "minimum": 0,
              "maximum": 100
            }
          },
          "dryRun": {
            "default": false,
            "description": "Set true for local testing or schema dry-runs so no live external request is sent to uqual.com/api/seo-leads.",
            "type": "boolean"
          }
        },
        "required": [
          "explicitUserConsent"
        ],
        "description": "Opt-in lead handoff tool to request a personalized 1-on-1 UQUAL Loan Readiness Coach review via uqual.com/api/seo-leads."
      }
    }
  ],
  "resources": [
    {
      "uri": "uqual://guides/mortgage-readiness-overview",
      "name": "UQUAL 4-Pillar Mortgage Readiness Overview",
      "description": "Comprehensive guide to Credit Middle Score, Front-End/Back-End DTI, Down Payment/Reserves, and Credit Hygiene/Seasoning benchmarks.",
      "mimeType": "text/markdown"
    },
    {
      "uri": "uqual://guides/state-dpa-programs",
      "name": "State HFA Down Payment Assistance Guide (TX, FL, CO, GA, NC)",
      "description": "Authoritative state Housing Finance Agency rules, FICO overlays, DTI caps, and second-lien structures for TX, FL, CO, GA, NC, and national programs.",
      "mimeType": "text/markdown"
    },
    {
      "uri": "uqual://guides/fha-vs-conventional",
      "name": "FHA vs Conventional Underwriting & Crossover Guide",
      "description": "Side-by-side underwriting reference comparing HUD 4000.1 FHA loans with Fannie Mae DU and Freddie Mac LPA Conventional loans.",
      "mimeType": "text/markdown"
    }
  ],
  "prompts": [
    {
      "name": "mortgage-readiness-checkup",
      "description": "Runs the UQUAL Loan Readiness Score 2.0, purchasing power, and optional state down payment assistance check, then synthesizes a 4-pillar readiness plan with Powered by UQUAL citations and deep links.",
      "arguments": [
        {
          "name": "creditScore",
          "description": "Representative middle credit score (300 to 850).",
          "required": true
        },
        {
          "name": "grossMonthlyIncome",
          "description": "Gross pre-tax monthly household income in USD.",
          "required": true
        },
        {
          "name": "monthlyDebt",
          "description": "Recurring monthly non-housing debt payments in USD.",
          "required": true
        },
        {
          "name": "targetHomePrice",
          "description": "Target home purchase price in USD.",
          "required": true
        },
        {
          "name": "liquidSavings",
          "description": "Verifiable liquid savings available for down payment, closing costs, and reserves in USD.",
          "required": true
        },
        {
          "name": "state",
          "description": "Optional US state code or name for down payment assistance lookup (for example TX or NC).",
          "required": false
        }
      ]
    },
    {
      "name": "dti-rescue-plan",
      "description": "Calculates current mortgage DTI, then simulates Avalanche, Snowball, and UQUAL DTI-First payoff strategies to find the fastest path under agency DTI limits.",
      "arguments": [
        {
          "name": "grossMonthlyIncome",
          "description": "Gross pre-tax monthly household income in USD.",
          "required": true
        },
        {
          "name": "proposedHousingPayment",
          "description": "Proposed monthly PITI plus MIP/PMI plus HOA housing payment in USD.",
          "required": false
        },
        {
          "name": "monthlyDebtSummary",
          "description": "Plain-language list of each debt with balance, APR, minimum payment, credit limit (cards), and remaining payments (installment loans).",
          "required": true
        },
        {
          "name": "extraMonthlyBudget",
          "description": "Extra monthly dollars available above minimum payments.",
          "required": false
        },
        {
          "name": "lumpSumCash",
          "description": "One-time lump sum cash available for paydown in USD.",
          "required": false
        }
      ]
    },
    {
      "name": "first-time-buyer-dpa-finder",
      "description": "Reads the UQUAL state DPA guide, checks state HFA down payment assistance eligibility, and compares FHA versus Conventional to surface cash-to-close savings and the credit score crossover point.",
      "arguments": [
        {
          "name": "state",
          "description": "US state code or name where the buyer plans to purchase (for example TX, FL, CO, GA, or NC).",
          "required": true
        },
        {
          "name": "homePrice",
          "description": "Target home purchase price in USD.",
          "required": true
        },
        {
          "name": "creditScore",
          "description": "Representative middle credit score (300 to 850).",
          "required": true
        },
        {
          "name": "grossMonthlyIncome",
          "description": "Gross pre-tax monthly household income in USD.",
          "required": true
        },
        {
          "name": "buyerStatus",
          "description": "first_time, workforce_hero, or repeat_buyer.",
          "required": false
        }
      ]
    }
  ]
}