LIHTC API and MCP server

Connect an AI assistant

The server speaks the Model Context Protocol over Streamable HTTP at https://lihtc.loans/mcp, with no authentication. Protocol versions 2025-06-18, 2025-03-26 and 2024-11-05.

• Claude (claude.ai and Claude Desktop): Settings, Connectors, Add custom connector. Name it LIHTC Atlas and paste https://lihtc.loans/mcp. No OAuth settings needed.
• Claude Code: claude mcp add --transport http lihtc-atlas https://lihtc.loans/mcp
• ChatGPT: add it as a custom connector (an MCP server URL with no authentication). ChatGPT puts custom connectors behind developer mode in its settings, on plans that allow it.
• Other clients (Cursor, VS Code, agent frameworks): use the URL as a remote HTTP server. A typical config:

{
  "mcpServers": {
    "lihtc-atlas": {
      "type": "http",
      "url": "https://lihtc.loans/mcp"
    }
  }
}

Server card: /.well-known/mcp.json. A GET to /mcp returns a short description and the tool list.

Things to ask once it's connected:

• What is the maximum 60% AMI rent for a two-bedroom in Maricopa County, Arizona, with a $140 utility allowance?
• Is 1200 Main St, Kansas City, MO 64105 in a QCT or DDA for a 2027 allocation?
• Estimate equity on a 4% deal with $28 million of eligible basis, 100% low-income, in a DDA.
• List the largest tax credit properties in Brooklyn and when their compliance periods end.
• What is Georgia's 2026 credit ceiling, and where is DCA's current QAP?

Tools

All ten are read-only. Each returns a text answer and the same data as structuredContent, with source, source_url, as_of and url (the page to cite).

Calling it without a client

Each POST carries one JSON-RPC 2.0 message (or a batch of up to 20) and gets a JSON reply. The server is stateless: no session id, no event stream.

curl -s https://lihtc.loans/mcp \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json, text/event-stream' \
  -d '{"jsonrpc":"2.0","id":1,"method":"tools/list"}'

curl -s https://lihtc.loans/mcp \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json, text/event-stream' \
  -d '{"jsonrpc":"2.0","id":2,"method":"tools/call",
       "params":{"name":"calculate_max_rent",
                 "arguments":{"state":"TX","county":"Harris","bedrooms":3,
                              "ami_level":50,"utility_allowance":120}}}'

The reply, shortened:

{"jsonrpc":"2.0","id":2,"result":{"content":[{"type":"text","text":
 "Maximum 50% AMI LIHTC rent, 3 BR, Harris County, Texas (FY2026): gross $1,352/month;
  less a $120 utility allowance, tenant-paid rent at most $1,232. ..."}],
 "structuredContent":{"max_gross_rent":1352,"max_tenant_paid_rent":1232,
  "imputed_household_size":4.5,"income_limit_used":54100,
  "formula":"floor(0.30 x 54100 / 12) = 1352; minus utility allowance 120 = 1232",
  "source":"HUD FY2026 Multifamily Tax Subsidy Project (MTSP) income limits, ...",
  "as_of":"2026-03-27","url":"https://lihtc.loans/income-limits/texas/harris-county/", ...},
 "isError":false}}

REST endpoints

All GET, JSON, CORS open, no key. Errors come back as {"error": "..."} with status 400 (bad or ambiguous input; the message lists the matches and their fips), 404 (not found) or 502 (the Census geocoder didn't answer).

Full schema: /openapi.json (OpenAPI 3.1). Bulk files and the column dictionary are on the data downloads page.

Rate limits and caching

There's no key and no fixed quota. Please stay near one request a second, cache what you fetch, and use the bulk downloads for whole-table work. /api/limits and /api/state send Cache-Control: public, max-age=3600; the data behind them changes when HUD or the IRS publishes (MTSP limits each spring, QCT/DDA lists each fall, IRS rates monthly). /api/locate and the address and coordinate checks in check_qct_dda call the Census Bureau geocoder each time and aren't cached. MCP responses are no-store. Cloudflare's standard abuse protections apply to all of it.

License and attribution

The underlying HUD, IRS and Census data is a U.S. government work and in the public domain. This site's compilation (the joins, the computed rents and credit math, and the file layout) is offered under CC BY 4.0: use it for anything, commercial included, with the credit "Data: LIHTC Atlas (lihtc.loans)" and a link. When an assistant answers from these tools, please cite the url each result gives. No warranty: these are copies of HUD's and the IRS's figures, and their own files, your state agency's charts and the recorded agreements govern. For a bulk or commercial feed, write to hello@lihtc.loans.

LIHTC Atlas is operated by Janover Capital LLC, not by HUD, the IRS or any state agency. The tools give data and arithmetic, not tax or legal advice. The financing tool only returns a link to the quote form; nothing is submitted for anyone.