Sizing Sheet
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For AI assistants and developers

The FHA multifamily sizer as an MCP server

Ask Claude, ChatGPT or another assistant which FHA program fits a deal or how large the loan could be, and it can answer with this site's chooser and sizer, on HUD's 2026 numbers, each answer with its HUD source. Free, read-only, no key.

Add it to your AI assistant

Server URL (Streamable HTTP, no key, read-only):

https://fhamultifamily.loan/mcp
Claude (claude.ai and the desktop app)
Settings, then Connectors, then Add custom connector. Paste the URL and save. No sign-in is needed.
ChatGPT
Settings, then Apps and Connectors. Turn on Developer mode under Advanced, choose Create, paste the URL and set authentication to none.
Grok
grok.com, then Connectors, then New connector, then Custom. Paste the URL.
Perplexity
Settings, then Connectors, then Add custom connector, then MCP. Paste the URL and choose no authentication.
Mistral Le Chat
Intelligence, then Connectors, then Add connector, then Custom MCP connector. Paste the URL.

Claude Code:

claude mcp add --transport http fhamultifamily-loan https://fhamultifamily.loan/mcp

Cursor (~/.cursor/mcp.json) and other clients that read mcpServers:

{
  "mcpServers": {
    "fhamultifamily-loan": {
      "url": "https://fhamultifamily.loan/mcp"
    }
  }
}

VS Code (.vscode/mcp.json):

{
  "servers": {
    "fhamultifamily-loan": {
      "type": "http",
      "url": "https://fhamultifamily.loan/mcp"
    }
  }
}

Gemini CLI (~/.gemini/settings.json):

{
  "mcpServers": {
    "fhamultifamily-loan": {
      "httpUrl": "https://fhamultifamily.loan/mcp"
    }
  }
}

Menu names change as the apps update. If a step has moved, look for "connectors" or "MCP" in the app's settings.

Tools

ToolWhat it returnsTry asking
choose_programThe program chooser: 223(f), 221(d)(4) new construction or substantial rehab, 223(a)(7), 241(a) or "not FHA yet", with the reason and the program page.We have an FHA loan on our building and want cash out. Which program?
size_loanThe loan sizer: every HUD sizing test (statutory limit, loan to value or cost, debt service coverage with MIP, cash-out or acquisition cost, large-loan ratios), the one that controls, payment, MIP, fees, DSCR and LTV.How big a 223(f) refinance can a 120-unit Texas property with $1.5 million of NOI get?
get_limits_and_costsThe 2026 per-unit statutory limits by bedroom with the high-cost amount for a state, ratios by tier, MIP, HUD fees and terms, each with its source.What is the 2026 221(d)(4) limit for a 2-bedroom elevator unit in Hawaii?

Discovery file: /.well-known/mcp.json. The limits table and the full rules file are free CSV and JSON downloads on Data and embeds.

License and attribution

HUD's figures are public domain. Our compilation is CC BY 4.0: credit "Data: Sizing Sheet (fhamultifamily.loan)" with a link. Sizing Sheet is published by Janover Capital LLC and is not affiliated with HUD or FHA. Nothing returned is a quote or an offer of credit.

Questions

Is there a cost or an API key?

No. The server is free, read-only and needs no key or sign-in. Please cite the page or the HUD source that comes back with each answer.

Where do the numbers come from?

HUD: the 2026 limits notice (FR Doc 2026-08795), Mortgagee Letters 2026-05, 2025-03, 2026-01 and 2023-14, the MIP notice 90 FR 45789 and the MAP Guide. The server reads the same rules file and runs the same sizing code as the sizer on this site, last checked 2026-10-24.

Is a sized loan a quote?

No. It is an illustration of HUD's sizing tests, not a quote, a commitment or an eligibility decision. HUD and the lender size each loan from the appraisal and full underwriting, and any terms come from the lender.

Questions or a data error: hello@fhamultifamily.loan. Privacy and terms.

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