{"name":"texas-homebuyer-money-finder","version":"1.2.0","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":"https://homemoneyfinder.com","documentation":"https://homemoneyfinder.com/decision-tools"},"capabilities":{"tools":{"listChanged":false}},"transport":[{"type":"streamable-http","url":"https://homemoneyfinder.com/api/webmcp","methods":["GET","POST"],"description":"MCP Streamable HTTP endpoint. POST accepts JSON-RPC 2.0 requests (\"initialize\", \"tools/list\", \"tools/call\", \"ping\") and returns JSON or an SSE stream per the client Accept header. A plain GET returns this descriptor; GET with Accept: text/event-stream opens the server SSE channel."}],"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. Saves an assessment and its results. 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\").","maxLength":120},"county":{"type":"string","description":"County where the buyer intends to purchase (e.g. \"Dallas\").","maxLength":120},"householdSize":{"type":"integer","description":"Number of people in the household.","minimum":1,"maximum":30},"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","minLength":1,"description":"Identifier for the saved assessment."},"resultCount":{"type":"integer","minimum":0,"description":"Number of possible matches returned."},"results":{"type":"array","minItems":0,"description":"Possible program matches. Possible matches only — never a qualification or approval decision.","items":{"type":"object","properties":{"programId":{"type":"string","minLength":1,"description":"Stable program identifier (e.g. \"TX-ST-002\")."},"programName":{"type":"string","minLength":1,"description":"Human-readable program name."},"matchCategory":{"type":"string","description":"The category under which this program appeared as a possible match.","enum":["strong_possible_match","possible_match","needs_lender_review","veteran_pathway","profession_pathway","rural_usda_pathway","location_not_covered","credit_readiness_needed","education_first","needs_program_administrator_review"]},"whyMatched":{"type":"string","minLength":1,"description":"Why this program appeared as a possible match."},"whatOffered":{"type":"string","minLength":1,"description":"What the program may offer (assistance type, amount, structure)."},"verifyChecklist":{"type":"array","items":{"type":"string","minLength":1},"description":"Items to verify before acting.","minItems":0,"maxItems":20,"uniqueItems":true},"nextStep":{"type":"string","minLength":1,"description":"Recommended next step for the buyer."},"officialUrl":{"type":["string","null"],"format":"uri","description":"Official program source link."},"applicationUrl":{"type":["string","null"],"format":"uri","description":"Application link where available, otherwise null."},"lastVerified":{"type":"string","format":"date-time","description":"ISO 8601 timestamp when the program information was last verified."}},"required":["programId","programName","matchCategory","whyMatched","whatOffered","verifyChecklist","nextStep","officialUrl","lastVerified"],"additionalProperties":false}},"disclaimer":{"type":"string","minLength":1,"description":"Standing safety disclaimer: possible matches only, not a qualification or approval decision."}},"required":["assessmentId","resultCount","results","disclaimer"],"additionalProperties":false},"annotations":{"readOnlyHint":false,"destructiveHint":false,"idempotentHint":false,"openWorldHint":false}},{"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).","maxLength":120},"county":{"type":"string","description":"Filter to programs serving this county (statewide programs always included).","maxLength":120},"assistance_type":{"type":"string","description":"Filter by assistance type keyword (e.g. \"down payment\", \"closing\", \"education\").","maxLength":120},"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.","maxLength":120}},"required":[],"additionalProperties":false},"outputSchema":{"type":"object","properties":{"programs":{"type":"array","items":{"type":"object"}},"count":{"type":"integer"}}},"annotations":{"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}},{"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\").","maxLength":120,"minLength":1}},"required":["id"],"additionalProperties":false},"outputSchema":{"type":"object","properties":{"program":{"type":"object"}}},"annotations":{"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}},{"name":"get_valid_inputs","description":"Return the valid input options, enum values, and scoring metadata for the Texas Homebuyer Money Finder matching engine. Use this to understand what values to pass to find_homebuyer_options or to display option labels in a UI. No arguments required.","inputSchema":{"type":"object","properties":{},"required":[],"additionalProperties":false},"outputSchema":{"type":"object","properties":{"fields":{"type":"array","items":{"type":"object","properties":{"name":{"type":"string"},"type":{"type":"string"},"description":{"type":"string"},"required":{"type":"boolean"},"enum":{"type":"array","items":{"type":"string"}}},"required":["name","type","description"]},"minItems":1,"maxItems":50,"uniqueItems":true},"matchCategories":{"type":"array","items":{"type":"string"},"description":"Possible match-category values returned in results.","minItems":1,"maxItems":20,"uniqueItems":true},"disclaimer":{"type":"string"}},"required":["fields","matchCategories","disclaimer"]},"annotations":{"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}}]}