Endorsement Index: HUD multifamily loans

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loan.hudmultifamily/hudmultifamily-loanv1.2026.1101.0 Domain verified

FHA-insured apartment loans from HUD's active file, plus HUD multifamily program rules and limits.

Finance & Payments

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https://hudmultifamily.loan/mcp

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get_loan Read-only

Look up one loan by its 8-digit HUD project (FHA) number: every field HUD publishes for it, plus years left, the property page URL, HUD physical inspection scores (latest and up to two prior, with release dates and REAC/NSPIRE scoring) and active Section 8 / rental assistance contracts (assisted units, expiration, latest renewal option), each with HUD as-of date and source.

fha_numberstring, required

8-digit HUD project number, e.g. 17635050.

Tools (6)

get_loan

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Argument	Type	Description
fha_number*	string	8-digit HUD project number, e.g. 17635050.

Input schema (JSON)

{
  "type": "object",
  "required": [
    "fha_number"
  ],
  "properties": {
    "fha_number": {
      "type": "string",
      "description": "8-digit HUD project number, e.g. 17635050."
    }
  },
  "additionalProperties": false
}

hud_stats

Totals and medians for FHA-insured apartment loans in HUD's active file: loan count, units, balances, median note rate, the 12-month realized-rate benchmark, and breakdowns by program and state. Pass state or program to narrow it.

read-only

Argument	Type	Description
state	string	Two-letter state code.
program	string

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "state": {
      "type": "string",
      "description": "Two-letter state code."
    },
    "program": {
      "enum": [
        "223f",
        "221d4",
        "223a7",
        "241a",
        "220",
        "231",
        "207",
        "213",
        "542c",
        "542b",
        "221d3"
      ],
      "type": "string"
    }
  },
  "additionalProperties": false
}

program_facts

Current rules for a HUD multifamily program (223f, 221d4, 223a7, 241a, 220, 231, 213): max LTV/LTC and DSCR tiers (ML 2025-03), term, MIP (0.25%/0.25%), prepayment, Davis-Bacon, fees, commercial limits, plus live counts from HUD's file. Each rule has a primary source URL. Omit program for the summary of all.

read-only

Argument	Type	Description
program	string

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "program": {
      "enum": [
        "223f",
        "221d4",
        "223a7",
        "241a",
        "220",
        "231",
        "213"
      ],
      "type": "string"
    }
  },
  "additionalProperties": false
}

search_loans

Search every FHA-insured apartment loan in HUD's active multifamily file by state, city, program, note rate, years left, servicer or text. Returns HUD's figures (note rate, original amount, amortized balance, maturity, holder, servicer, Section of the Act) with a property page URL. Use it to find assumable low-rate loans, loans by a servicer, or a property's FHA number.

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Argument	Type	Description
q	string	Words to match in property name, city, address, ZIP or FHA number.
city	string	City, exact match (case-insensitive).
sort	string
lihtc	boolean
limit	integer
state	string	Two-letter state code, e.g. TX.
offset	integer
program	string
max_rate	number	Maximum note rate, percent (e.g. 4 for assumable low-rate loans).

size_223f

Estimate maximum 223(f) proceeds as the lowest of: LTV (87% market, 90% affordable or 90%+ assisted), DSCR (1.15x market, 1.11x affordable) with debt service including the 0.25% annual MIP, the CY2026 statutory limit for the unit mix, and the cost-to-refinance or cash-out cap. Returns each test, the binding one, payment and MIP. If note_rate is omitted it uses the median note rate on 223(f) loans HUD endorsed in the last 12 months (realized history, not a quote). An estimate, not a commitment.

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Argument	Type	Description
noi*	number	Annual underwritten net operating income, US dollars.
value*	number	Appraised value, US dollars.
purpose	string
category	string
elevator	boolean
unit_mix	object	Units by bedroom count, e.g. {"0": 10, "1": 40, "2": 30, "3": 0, "4+": 0}.
note_rate	number	Note rate, percent, excluding MIP.
requested	number	Requested loan amount, US dollars.

statutory_limit

Compute the CY2026 statutory mortgage limit for a unit mix: table amount per bedroom count (elevator or not) times the high cost percentage (270% standard for 2026, up to 315% project by project in High Cost Areas, 405% in Alaska, Hawaii, Guam and USVI). Also reports the ROAD to Housing Act base amounts, which are enacted but pending HUD implementation.

read-only

Argument	Type	Description
program	string
elevator	boolean
unit_mix*	object	Units by bedroom count, e.g. {"0": 10, "1": 40, "2": 30, "3": 0, "4+": 0}.
high_cost_pct	number

Input schema (JSON)

{
  "type": "object",
  "required": [
    "unit_mix"
  ],
  "properties": {
    "program": {
      "enum": [
        "223f",
        "221d4",
        "220",
        "207",
        "213",
        "231"
      ],
      "type": "string",
      "default": "223f"
    },
    "elevator": {
      "type": "boolean",
      "default": false
    },
    "unit_mix": {
      "type": "object",
      "properties": {
        "0": {
          "type": "integer",
          "minimum": 0
        },
        "1": {
          "type": "integer",
          "minimum": 0
        },
        "2": {
          "type": "integer",
          "minimum": 0
        },
        "3": {
          "type": "integer",
          "minimum": 0
        },
        "4+": {
          "type": "integer",
          "minimum": 0
        }
      },
      "description": "Units by bedroom count, e.g. {\"0\": 10, \"1\": 40, \"2\": 30, \"3\": 0, \"4+\": 0}.",
      "additionalProperties": false
    },
    "high_cost_pct": {
      "type": "number",
      "default": 270,
      "maximum": 405,
      "minimum": 100
    }
  },
  "additionalProperties": false
}

{ "type": "object", "properties": { "q": { "type": "string", "description": "Words to match in property name, city, address, ZIP or FHA number." }, "city": { "type": "string", "description": "City, exact match (case-insensitive)." }, "sort": { "enum": [ "-amortized_balance", "amortized_balance", "note_rate", "-note_rate", "maturity", "-maturity", "units", "-units", "-initial_endorsement", "months_left", "-months_left", "-original_amount" ], "type": "string", "default": "-amortized_balance" }, "lihtc": { "type": "boolean" }, "limit": { "type": "integer", "default": 10, "maximum": 50, "minimum": 1 }, "state": { "type": "string", "description": "Two-letter state code, e.g. TX." }, "offset": { "type": "integer", "default": 0, "minimum": 0 }, "program": { "enum": [ "223f", "221d4", "223a7", "241a", "risk-share", "220", "231", "207", "213", "221d3", "other" ], "type": "string" }, "max_rate": { "type": "number", "description": "Maximum note rate, percent (e.g. 4 for assumable low-rate loans)." }, "min_rate": { "type": "number", "description": "Minimum note rate, percent." }, "servicer": { "type": "string", "description": "Servicer name fragment, e.g. Greystone." }, "min_units": { "type": "integer" }, "max_balance": { "type": "number" }, "min_balance": { "type": "number", "description": "Minimum amortized balance, US dollars." }, "max_years_left": { "type": "number" }, "min_years_left": { "type": "number", "description": "Minimum years to maturity." } }, "additionalProperties": false }

Endorsement Index: HUD multifamily loans

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get_loan Read-only

Endorsement Index: HUD multifamily loans

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get_loan Read-only

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Tools (6)

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