Escrow

Escrow — connector documentation

• MCP endpoint: https://escrow.connectorbay.com/mcp
• REST API: POST https://escrow.connectorbay.com/v1/tools/{tool_name}, described by the OpenAPI 3.1 spec at https://escrow.connectorbay.com/openapi.json
• Transport: Streamable HTTP, stateless, MCP specification 2025-06-18 or later
• Authentication: none required. An optional Authorization: Bearer <key> raises rate limits.
• Health: https://escrow.connectorbay.com/health · Tool schemas: https://escrow.connectorbay.com/tools.json
• Publisher: Unify Dynamics LLC · connectorbay.com/escrow · agent@connectorbay.com

What Escrow is for

"What's my monthly payment on a $400,000 loan at 6.5%", "will I need PMI on a 10% down payment", "roughly what are closing costs on this house", "should I rent or buy", "how much house can I afford", "what should I check during a home inspection", "what does contingency mean" — the home-buying and mortgage questions people ask an assistant before they ask a lender or a real estate agent. Escrow answers them with real arithmetic (the standard mortgage amortization formula) and commonly cited, dated industry reference ranges — no upstream calls, no accounts, nothing stored.

What it does

Mortgage payment & amortization. mortgage_payment_calculator computes the real monthly principal & interest payment for a fixed-rate loan using the standard amortization formula, plus total paid and total interest over the full term. amortization_schedule gives a genuine year-by-year principal/interest breakdown for any single year of that same loan — early years are interest-heavy, later years are principal-heavy, as with any real amortization schedule.

PMI estimator. pmi_estimator computes loan-to-value from a loan amount and home value, says whether private mortgage insurance would typically be required (commonly above 80% LTV on a conventional loan), and gives a rough annual/monthly cost range — clearly caveated, since actual PMI pricing depends on credit score and lender.

Closing costs. closing_cost_estimator gives a rough range using the commonly cited 2-5% of home price figure — heavily caveated, since closing costs vary enormously by location, lender, and loan type.

Down payment. down_payment_calculator computes a down payment amount and the resulting loan amount and loan-to-value for a chosen percentage, and flags whether that LTV would typically require PMI.

Rent vs. buy. rent_vs_buy_calculator compares total rent paid against a real mortgage P&I cost over a chosen number of years, and separately shows a version that credits back the home equity built from principal paid down — while being explicit that property tax, insurance, PMI, HOA dues, maintenance, closing costs, and home-price appreciation are excluded and should be added for a fuller picture.

Affordability (28/36 rule). affordability_calculator applies the standard front-end (28%) / back-end (36%) debt-to-income guideline to income and existing debts to estimate a rough affordable home-price range, using a stated assumed mortgage rate and term since no live rate quote is available.

Home inspection checklist. home_inspection_checklist lists what to check or ask about during a home inspection: roof age, foundation, electrical panel, plumbing age/material, HVAC age, water heater, signs of water damage or mold, and more.

Glossary. real_estate_glossary defines common terms: escrow, PMI, LTV, closing costs, earnest money, contingency, appraisal, title insurance, underwriting, pre-approval, points, amortization, and more.

What it is not

Not financial, legal, or lending advice, and not a substitute for a licensed mortgage lender, a licensed real estate professional or attorney, or a licensed home inspector. It does not know your actual credit score, the property tax rate or insurance cost for your specific location, or any lender's real underwriting rules — every percentage-based estimate (PMI cost, closing costs, affordability) is a commonly cited industry range or a necessary simplifying assumption, clearly labeled as such, not a quote. Real figures vary significantly by lender, loan program, location, and your own financial profile — always confirm with a licensed lender before making a decision.

Built and maintained by Unify Dynamics LLC. Contact: agent@connectorbay.com.

Tools

Payment & amortization

mortgage_payment_calculator — The real monthly principal & interest (P&I) payment for a fixed-rate mortgage, using the standard amortization formula, plus total paid and total interest over the full term. Use for "what's my monthly payment on a $400,000 loan at 6.5% for 30 years". Args: principal, annual_rate_percent, years.

amortization_schedule — A genuine year-by-year breakdown of principal vs. interest paid for one year of a fixed-rate mortgage, plus the balance at the start and end of that year. Use for "how much of year 5's payments on my 30-year mortgage go to principal vs. interest". Args: principal, annual_rate_percent, years, year_number.

Costs & down payment

pmi_estimator — Computes loan-to-value (LTV) from a loan amount and home value, says whether PMI would typically be required (commonly above 80% LTV on a conventional loan), and gives a rough typical annual/monthly PMI cost range. Use for "will I need PMI on a 10% down payment on a $350,000 house". Args: loan_amount, home_value.

closing_cost_estimator — A rough closing-cost estimate using the commonly cited 2-5% of home price range — heavily caveated, since closing costs vary enormously by location, lender, and loan type. Use for "roughly what are closing costs on a $500,000 house". Args: home_price.

down_payment_calculator — The real down payment amount and resulting loan amount for a given percentage of home price, plus the resulting loan-to-value and whether PMI would typically apply. Use for "what's a 20% down payment on a $600,000 house". Args: home_price, percent.

Decisions

rent_vs_buy_calculator — Compares total rent paid vs. real mortgage principal & interest cost over a chosen number of years, including a version that credits back the home equity built from principal paid down. Clearly excludes property tax, insurance, PMI, HOA, maintenance, closing costs, and appreciation. Use for "should I rent at $2,500/month or buy this $450,000 house". Args: monthly_rent, home_price, down_payment, mortgage_rate_percent, years, loan_term_years.

affordability_calculator — Applies the standard 28/36 front-end/back-end debt-to-income rule to income and existing debts to estimate a rough affordable home-price range (conservative and upper-bound), using a stated assumed mortgage rate/term. Use for "how much house can I afford making $120,000/year with $600/month in debts". Args: annual_income, monthly_debts, down_payment_available, assumed_rate_percent, loan_term_years, tax_insurance_hoa_reserve_pct.

Reference

home_inspection_checklist — A general checklist of things to check or ask about during a home inspection: roof age, foundation, electrical panel, plumbing age/material, HVAC age, water heater, signs of water damage/mold, and more. Use for "what should I check during a home inspection".

real_estate_glossary — Definitions of common real-estate and mortgage terms (escrow, PMI, LTV, closing costs, earnest money, contingency, appraisal, title insurance, and more). Use for "what does contingency mean in real estate", "what's an LTV". Args: term.

Conventions

• Read-only. Every tool reads public data or computes; nothing is written anywhere and nothing about the user is stored.
• Result envelope. ok: true with data, or ok: false with a structured error (bad_input, not_found, upstream_error). degraded lists optional sources that were unreachable.
• Rate limits. Free tier 60 tool calls/minute and 300/day per user (keyed on the user identifier supplied by the host agent, else client IP); Pro keys raise this. Over-limit calls return HTTP 429 with Retry-After. initialize and tools/list are never counted.

Support

agent@connectorbay.com · connectorbay.com/escrow/support

Escrow — Privacy Policy

Effective 24 September 2026. Unify Dynamics LLC ("we", "us"), Menlo Park, California.

What Escrow is. Escrow is a connector (an MCP server and REST API) that AI assistants and personal agents call on your behalf for home-buying and mortgage calculations: mortgage payment and amortization math, a PMI estimator, closing-cost and down-payment calculators, a rent-vs-buy comparison, the 28/36 affordability rule, a home-inspection checklist, and a real-estate glossary. You interact with your assistant; the assistant sends us only the numbers needed for that one calculation.

What we receive. The arguments of each tool call — loan amounts, interest rates, loan terms, home prices, down payments, monthly rent, income, and monthly debt figures — the technical headers needed to serve the request (an IP address or a client identifier supplied by the assistant, and a Pro API key if you have one), and standard server logs.

Everything is computed on our server and nothing is stored. Every calculation uses the standard mortgage amortization formula and bundled, dated reference ranges, computed from the numbers you provide; no request is forwarded to any third party, and no query — including any income, price, or loan figure you enter — is logged in request bodies, recorded, or used to train anything.

What we do not receive or store. We do not receive your conversation with the assistant, your name, Social Security number, actual credit score, property address, loan account numbers, or any other identifying or account information, and we do not build a financial profile from your queries: each calculation is answered independently and nothing carries over between requests. Rate-limit counters (a client identifier and timestamps) are held in memory for at most 24 hours. Hosting-provider access logs, which contain IP addresses and request paths but not request bodies, are retained for up to 30 days for security and abuse prevention.

Sub-processors. None — every tool is computed locally. Hosting: Vercel (United States regions).

Legal bases and your rights. For users in California, the EU/UK and elsewhere, our processing is necessary to provide the service you request through your assistant. Because we store no personal data beyond short-lived logs, requests to access, correct or delete personal data are usually satisfied automatically; you can still contact agent@connectorbay.com and we will respond within 30 days. We do not sell or share personal information and do not use your data to train models.

Children. Escrow is a general-audience service for adults; we knowingly collect no personal data from anyone.

Changes. We will post changes here with a new effective date.

Escrow — Terms of Service

Effective 24 September 2026. These terms govern use of the Escrow connector ("the Service") operated by Unify Dynamics LLC ("we", "us").

1. The Service. Escrow returns home-buying and mortgage calculations — mortgage payment and amortization math, a PMI estimate, closing-cost and down-payment calculations, a rent-vs-buy comparison, an affordability estimate under the 28/36 debt-to-income guideline, a home-inspection checklist, and a real-estate glossary — computed from the standard mortgage amortization formula and bundled, dated industry reference ranges, and the numbers you provide. It is accessed through an AI assistant or directly over MCP or HTTP.
2. Not financial, legal, or lending advice. Escrow's calculations are general educational information and illustrative estimates based on standard formulas, commonly cited industry ranges, and necessary simplifying assumptions (such as an assumed mortgage rate where no live quote is available) — not a recommendation, and not individualized financial, tax, legal, or lending advice. Consult a licensed mortgage lender, a licensed real estate professional or attorney, and a licensed home inspector for guidance and figures tailored to your situation before making a decision.
3. Estimates, not quotes. PMI cost, closing-cost, and affordability figures use commonly cited industry ranges or stated assumptions, not a specific lender's actual pricing. Actual rates, fees, and eligibility depend on your credit score, the specific property and location, the lender, and the loan program, and can differ substantially from any range or estimate given here. Always obtain a real Loan Estimate from a lender before relying on a figure for a decision.
4. Not appraisal, inspection, or legal services. Escrow does not appraise real property, does not perform or substitute for a licensed home inspection, and does not provide legal advice on a purchase contract, title, or contingencies. The home-inspection checklist is general guidance, not a substitute for a licensed professional inspector's actual report.
5. Rates and guidelines change. The 28/36 affordability guideline and the typical closing-cost and PMI ranges reflect commonly published industry conventions as of the connector's stated build date; lending practices and published figures can change. Always check with a current, licensed lender before relying on a figure for a filing or a decision.
6. Acceptable use. Automated use within the published rate limits is welcome.
7. Availability. The Service is provided "as is" without warranty. We may change, limit or discontinue it at any time.
8. Data. Our Privacy Policy describes what we process. In short: your query is answered on our server and nothing is stored.
9. Pro keys. Optional Pro API keys are issued at our discretion, are personal to the holder and may be revoked for abuse.
10. Liability. To the fullest extent permitted by law, Unify Dynamics LLC is not liable for any financial or legal loss arising from use of or reliance on the Service. Our total liability is limited to US $100.
11. Governing law. California law; venue in San Mateo County, California.
12. Contact. Unify Dynamics LLC · agent@connectorbay.com · https://connectorbay.com/escrow

Escrow support

Email agent@connectorbay.com. We answer within two business days.

• MCP endpoint: https://escrow.connectorbay.com/mcp
• REST API: https://escrow.connectorbay.com/openapi.json
• Live status: https://escrow.connectorbay.com/health

When you report a problem, include the question you asked your agent, roughly when, and which agent you used (for example Claude, ChatGPT or Gemini). Never send us passwords, account numbers or ID numbers. Escrow never asks for them.