LIHTC Atlas: income limits, QCT/DDA and LIHTC properties

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LIHTC data: HUD income and rent limits, 2027 QCT/DDA checks, LIHTC properties, credit math.

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calculate_credits Read-only

Annual and 10-year housing credits and equity from eligible basis, applicable fraction, credit type (4 or 9), the optional 130% basis boost and a credit price (default: the latest public median). Uses the statutory floor unless applicable_percentage is given. Same math as the lihtc.loans credit estimator.

credit_typestring, required

4 or 9

eligible_basisnumber, required

Eligible basis in dollars

applicable_fractionnumber, required

Low-income share of the building, 0 to 1 (or a percent)

boostboolean

130% basis boost (QCT, DDA or state-designated)

credit_pricenumber

Equity per $1 of credit, e.g. 0.85

applicable_percentagenumber

Override the rate, in percent (e.g. 3.53) when the floor does not apply

Tools (10)

calculate_credits

read-only

Argument	Type	Description
boost	boolean	130% basis boost (QCT, DDA or state-designated)
credit_type*	string	4 or 9
credit_price	number	Equity per $1 of credit, e.g. 0.85
eligible_basis*	number	Eligible basis in dollars
applicable_fraction*	number	Low-income share of the building, 0 to 1 (or a percent)
applicable_percentage	number	Override the rate, in percent (e.g. 3.53) when the floor does not apply

Input schema (JSON)

{
  "type": "object",
  "required": [
    "eligible_basis",
    "applicable_fraction",
    "credit_type"
  ],
  "properties": {
    "boost": {
      "type": "boolean",
      "default": false,
      "description": "130% basis boost (QCT, DDA or state-designated)"
    },
    "credit_type": {
      "enum": [
        "4",
        "9"
      ],
      "type": "string",
      "description": "4 or 9"
    },
    "credit_price": {
      "type": "number",
      "maximum": 1.5,
      "minimum": 0.01,
      "description": "Equity per $1 of credit, e.g. 0.85"
    },
    "eligible_basis": {
      "type": "number",
      "minimum": 1,
      "description": "Eligible basis in dollars"
    },
    "applicable_fraction": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Low-income share of the building, 0 to 1 (or a percent)"
    },
    "applicable_percentage": {
      "type": "number",
      "maximum": 15,
      "minimum": 0.1,
      "description": "Override the rate, in percent (e.g. 3.53) when the floor does not apply"
    }
  },
  "additionalProperties": false
}

calculate_max_rent

Maximum LIHTC gross rent and tenant-paid rent for one unit: county, bedroom count and AMI level, less an optional utility allowance, from HUD FY2026 MTSP limits by the IRS Publication 5913 method, with the formula.

read-only

Argument	Type	Description
fips	string	5-digit county FIPS (48201) or HUD's 10-digit area code (county + county subdivision, e.g. 2502507000 for Boston)
state	string	Two-letter state or territory code (CA, DC, PR) or name
county	string	County name, e.g. "Harris County" or "Harris"; in New England, a town ("Boston"). Use fips when a name is ambiguous.
bedrooms*	integer	0 for a studio
ami_level*	integer	Percent of area median income
utility_allowance	number	Monthly utility allowance for tenant-paid utilities, dollars (default 0)

Input schema (JSON)

{
  "type": "object",
  "required": [
    "bedrooms",
    "ami_level"
  ],
  "properties": {
    "fips": {
      "type": "string",
      "description": "5-digit county FIPS (48201) or HUD's 10-digit area code (county + county subdivision, e.g. 2502507000 for Boston)"
    },
    "state": {
      "type": "string",
      "description": "Two-letter state or territory code (CA, DC, PR) or name"
    },
    "county": {
      "type": "string",
      "description": "County name, e.g. \"Harris County\" or \"Harris\"; in New England, a town (\"Boston\"). Use fips when a name is ambiguous."
    },
    "bedrooms": {
      "type": "integer",
      "maximum": 5,
      "minimum": 0,
      "description": "0 for a studio"
    },
    "ami_level": {
      "enum": [
        20,
        30,
        40,
        50,
        60,
        70,
        80
      ],
      "type": "integer",
      "description": "Percent of area median income"
    },
    "utility_allowance": {
      "type": "number",
      "minimum": 0,
      "description": "Monthly utility allowance for tenant-paid utilities, dollars (default 0)"
    }
  },
  "additionalProperties": false
}

check_qct_dda

Is a site in a Qualified Census Tract or Difficult Development Area on HUD's 2027 lists (and any newer year HUD has posted)? Give a US street address (geocoded by the Census Bureau), or lat + lon, or an 11-digit 2020 census tract. Returns the tract, county, ZCTA and metro area and one result per list year.

read-only

Argument	Type	Description
lat	number
lon	number
tract	string	11-digit 2020 census tract GEOID
address	string	Street address with city and state or ZIP

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "lat": {
      "type": "number"
    },
    "lon": {
      "type": "number"
    },
    "tract": {
      "type": "string",
      "description": "11-digit 2020 census tract GEOID"
    },
    "address": {
      "type": "string",
      "description": "Street address with city and state or ZIP"
    }
  },
  "additionalProperties": false
}

get_applicable_percentages

The monthly 70% (9%) and 30% (4%) present value credit rates from the IRS revenue ruling, the statutory 9% and 4% floors and the rate a deal uses. Defaults to the latest month, with the last 12.

read-only

Argument	Type	Description
month	string	YYYY-MM, e.g. 2026-11

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "month": {
      "type": "string",
      "description": "YYYY-MM, e.g. 2026-11"
    }
  },
  "additionalProperties": false
}

get_equity_pricing

Median net equity price per $1 of federal housing credit from CohnReznick's Housing Tax Credit Monitor, the series since late 2024, and current national fund pricing ranges.

read-only

No arguments.

Input schema (JSON)

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

get_financing_quote_link

The page where a developer or owner can request a financing quote for a 4% or 9% deal (construction, tax-exempt bond, bridge, permanent, Year 15) from Janover Capital LLC, and what the desk handles. Returns a link only; it submits nothing.

read-only

No arguments.

Input schema (JSON)

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

get_income_limits

HUD FY2026 MTSP income limits for a county (town in New England): every level from 20% to 80% of area median for 1 to 8 persons, HERA Special limits where HUD lists them, the area median family income, and the maximum gross rent by bedroom count at each level (IRS Pub. 5913 method). Give state + county, or fips.

read-only

Argument	Type	Description
fips	string	5-digit county FIPS (48201) or HUD's 10-digit area code (county + county subdivision, e.g. 2502507000 for Boston)
state	string	Two-letter state or territory code (CA, DC, PR) or name
county	string	County name, e.g. "Harris County" or "Harris"; in New England, a town ("Boston"). Use fips when a name is ambiguous.
ami_level	integer	Only this level (percent of AMI)
household_size	integer	Only this household size

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "fips": {
      "type": "string",
      "description": "5-digit county FIPS (48201) or HUD's 10-digit area code (county + county subdivision, e.g. 2502507000 for Boston)"
    },
    "state": {
      "type": "string",
      "description": "Two-letter state or territory code (CA, DC, PR) or name"
    },
    "county": {
      "type": "string",
      "description": "County name, e.g. \"Harris County\" or \"Harris\"; in New England, a town (\"Boston\"). Use fips when a name is ambiguous."
    },
    "ami_level": {
      "enum": [
        20,
        30,
        40,
        50,
        60,
        70,
        80
      ],
      "type": "integer",
      "description": "Only this level (percent of AMI)"
    },
    "household_size": {
      "type": "integer",
      "maximum": 8,
      "minimum": 1,
      "description": "Only this household size"
    }
  },
  "additionalProperties": false
}

get_property

Everything HUD's LIHTC database lists for one property (units, income-restricted units, bedrooms, placed-in-service and allocation years, credit type, bonds, income test, targeting), its compliance and extended-use years, 2027 QCT/DDA status, its county's 2026 50% and 60% limits and rents, and nearby properties. Give the page url or the HUD project id.

read-only

Argument	Type	Description
id	string	HUD project id, e.g. ALA19940016
url	string	A lihtc.loans property page, /apartments/<state>/<city>/<property>/
state	string	Two-letter state or territory code (CA, DC, PR) or name

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "id": {
      "type": "string",
      "description": "HUD project id, e.g. ALA19940016"
    },
    "url": {
      "type": "string",
      "description": "A lihtc.loans property page, /apartments/<state>/<city>/<property>/"
    },
    "state": {
      "type": "string",
      "description": "Two-letter state or territory code (CA, DC, PR) or name"
    }
  },
  "additionalProperties": false
}

get_state_lihtc

One state's allocating agency and LIHTC page, current Qualified Allocation Plan, state credit, 2026 9% credit ceiling and private activity bond cap (with the per-capita or minimum basis and population), and its count of 2027 QCTs and nonmetro DDA counties.

read-only

Argument	Type	Description
state*	string	Two-letter state or territory code (CA, DC, PR) or name

Input schema (JSON)

{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "Two-letter state or territory code (CA, DC, PR) or name"
    }
  },
  "additionalProperties": false
}

search_properties

HUD-listed LIHTC properties still monitored for compliance, in one state, optionally one city and a name or street fragment, largest first. Each result has its lihtc.loans page URL and HUD project id for get_property. Covers cities with 5 or more monitored properties.

read-only

Argument	Type	Description
city	string	City name as HUD lists it, e.g. "Los Angeles"
name	string	Words from the property name or street address
limit	integer
state*	string	Two-letter state or territory code (CA, DC, PR) or name

Input schema (JSON)

{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "city": {
      "type": "string",
      "description": "City name as HUD lists it, e.g. \"Los Angeles\""
    },
    "name": {
      "type": "string",
      "description": "Words from the property name or street address"
    },
    "limit": {
      "type": "integer",
      "default": 10,
      "maximum": 50,
      "minimum": 1
    },
    "state": {
      "type": "string",
      "description": "Two-letter state or territory code (CA, DC, PR) or name"
    }
  },
  "additionalProperties": false
}

LIHTC Atlas: income limits, QCT/DDA and LIHTC properties

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calculate_credits Read-only

LIHTC Atlas: income limits, QCT/DDA and LIHTC properties

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calculate_credits Read-only

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Tools (10)

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