{"name":"texas-homebuyer-money-finder","version":"1.0.0","protocolVersion":"2025-06-18","description":"Structured decision support for Texas homebuyers. Given a prospective buyer's location, household and income range, buyer status, the type of assistance they need, and profile factors (veteran, profession, rural), this capability returns POSSIBLE Texas homebuyer-assistance program matches — grants, down-payment assistance, closing-cost help, and homebuyer-education pathways — along with why each program appeared, items to verify, and official source links. It returns possible matches only and never a qualification, eligibility, or approval decision. No credit pull and no Social Security number are used.","provider":{"name":"Texas Homebuyer Money Finder","url":"http://homemoneyfinder.com","documentation":"http://homemoneyfinder.com/decision-tools"},"capabilities":{"tools":{"listChanged":false}},"transport":[{"type":"http","url":"http://homemoneyfinder.com/api/webmcp","methods":["GET","POST"],"description":"GET returns this descriptor. POST accepts JSON-RPC 2.0 requests: \"initialize\", \"tools/list\", and \"tools/call\"."}],"disclaimer":"This is an educational decision-support tool. It does not provide mortgage approval, legal advice, financial advice, or final program eligibility. Program rules, income limits, and funding availability change — always verify with the official source, approved lender, housing counselor, or program administrator.","tools":[{"name":"find_homebuyer_options","description":"Run the Texas Homebuyer Money Finder assessment for a prospective buyer and return possible homebuyer-assistance program matches (grants, down-payment assistance, closing-cost help). Each result explains why the program appeared as a possible match, what to verify before acting, and links to the official source. Returns possible matches only — never a qualification or approval decision.","inputSchema":{"type":"object","properties":{"city":{"type":"string","description":"City where the buyer intends to purchase (e.g. \"Dallas\")."},"county":{"type":"string","description":"County where the buyer intends to purchase (e.g. \"Dallas\")."},"householdSize":{"type":"integer","description":"Number of people in the household.","minimum":1},"incomeRange":{"type":"string","description":"Approximate annual household income range.","enum":["under_40k","40k_60k","60k_80k","80k_100k","100k_120k","120k_140k","over_140k"]},"firstTimeBuyer":{"type":"string","description":"Whether the buyer has owned a home in the last 3 years.","enum":["yes","no","not_sure"]},"needDownPayment":{"type":"string","description":"Type of assistance the buyer is seeking.","enum":["down_payment","closing_costs","both","not_sure"]},"veteranStatus":{"type":"string","description":"Military service status, if any.","enum":["none","veteran","active_duty","national_guard","surviving_spouse"]},"occupation":{"type":"string","description":"Profession-based pathway factor, if any.","enum":["none","teacher","nurse","first_responder","corrections","other_public","other"]},"ruralOpen":{"type":"string","description":"Whether the buyer is open to a rural or small-town property (USDA pathways).","enum":["yes","no","maybe"]},"creditRange":{"type":"string","description":"Self-estimated credit score range (no credit is pulled).","enum":["below_580","580_619","620_639","640_679","680_plus"]},"priceRange":{"type":"string","description":"Target purchase price range.","enum":["under_200k","200k_300k","300k_400k","400k_500k","over_500k"]},"completedEducation":{"type":"string","description":"Homebuyer education status.","enum":["yes","no","started"]}},"required":[],"additionalProperties":false},"outputSchema":{"type":"object","properties":{"assessmentId":{"type":"string","description":"Identifier for the saved assessment."},"resultCount":{"type":"integer","description":"Number of possible matches returned."},"results":{"type":"array","items":{"type":"object","properties":{"programId":{"type":"string"},"programName":{"type":"string"},"matchCategory":{"type":"string","description":"e.g. strong_possible_match, possible_match, veteran_pathway, needs_lender_review."},"whyMatched":{"type":"string","description":"Why this program appeared as a possible match."},"whatOffered":{"type":"string","description":"What the program may offer (assistance type, amount, structure)."},"verifyChecklist":{"type":"array","items":{"type":"string"},"description":"Items to verify before acting."},"nextStep":{"type":"string"},"officialUrl":{"type":"string","description":"Official program source link where available."},"applicationUrl":{"type":"string","description":"Application link where available."},"lastVerified":{"type":"string","description":"Date the program information was last verified, where available."}}}}}}},{"name":"list_programs","description":"Browse or filter the Texas homebuyer-assistance program library. Optionally filter by city, county, assistance type, category, or program status. Returns program records with geography, assistance, eligibility, and process details.","inputSchema":{"type":"object","properties":{"city":{"type":"string","description":"Filter to programs serving this city (statewide programs always included)."},"county":{"type":"string","description":"Filter to programs serving this county (statewide programs always included)."},"assistance_type":{"type":"string","description":"Filter by assistance type keyword (e.g. \"down payment\", \"closing\", \"education\")."},"filter":{"type":"string","description":"Category filter.","enum":["down_payment","closing_cost","statewide","local","veteran","profession","rural","education"]},"status":{"type":"string","description":"Filter by program status."}},"required":[],"additionalProperties":false},"outputSchema":{"type":"object","properties":{"programs":{"type":"array","items":{"type":"object"}},"count":{"type":"integer"}}}},{"name":"get_program","description":"Retrieve a single Texas homebuyer-assistance program by its program ID, including geography, assistance, eligibility, process details, and official sources.","inputSchema":{"type":"object","properties":{"id":{"type":"string","description":"The program ID (e.g. \"TX-ST-002\")."}},"required":["id"],"additionalProperties":false},"outputSchema":{"type":"object","properties":{"program":{"type":"object"}}}}]}