# splitifi_calculate_home_buyout

Calculate how much it costs to buy out a spouse's share of the marital home. Returns net equity, buyout amount, and estimated monthly payment after refinance.

Agent View of the PolicyLayer registry record for `splitifi_calculate_home_buyout`. HTML page: https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-calculate-home-buyout

## Facts

- Tool: `splitifi_calculate_home_buyout`
- Server: Splitifi Intelligence MCP (`splitifi-mcp`) — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp.md
- Install: `npx -y splitifi-mcp`
- Homepage: https://github.com/mysplitifi/Splitifi
- Risk category: Read (Low risk)
- Registry record: grade F, identity unverified
- Server rate-limited: no
- Parameters: 5 (2 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `home_value` | number | yes | Current market value of the home (USD) |
| `refinance_costs` | number | no | Estimated refinance closing costs. Default: 0 |
| `mortgage_balance` | number | yes | Outstanding mortgage balance (USD) |
| `buyout_percentage` | number | no | Spouse's ownership percentage being bought out. Default: 50 |
| `selling_costs_percentage` | number | no | Estimated selling costs as % of value. Default: 8 |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "splitifi_calculate_home_buyout",
    "arguments": {
      "home_value": 0,
      "mortgage_balance": 0
    }
  }
}
```

## Why splitifi_calculate_home_buyout is rated Low

The tool performs financial calculations and returns computed values (net equity, buyout amount, monthly payment). It does not move money, commit financial obligations, modify data, or execute code — it is purely a read/query-style computation based on input parameters.

From the tool's own definition: "Calculate how much it costs to buy out a spouse's share of the marital home. Returns net equity, buyout amount, and estimated monthly payment after refinance."

## Use case

AI agents call splitifi_calculate_home_buyout to retrieve information from Splitifi Intelligence MCP without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Splitifi Intelligence MCP:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "splitifi_calculate_home_buyout": {}
  }
}
```

## Other tools on Splitifi Intelligence MCP (199)

- `splitifi_batch` — Execute — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-batch.md
- `splitifi_predict_judge_empowerment` — Execute — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-predict-judge-empowerment.md
- `splitifi_run_calculator` — Execute — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-run-calculator.md
- `splitifi_start` — Execute — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-start.md
- `bva_screen` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/bva-screen.md
- `eoir_judge_screen` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/eoir-judge-screen.md
- `securities_company_screen` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/securities-company-screen.md
- `splitifi_arbitration_screen` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-arbitration-screen.md
- `splitifi_arbitration_stats` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-arbitration-stats.md
- `splitifi_asset_classifier` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-asset-classifier.md
- `splitifi_asset_tracing` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-asset-tracing.md
- `splitifi_award_ranges` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-award-ranges.md
- `splitifi_billing_estimate` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-billing-estimate.md
- `splitifi_budget_planner` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-budget-planner.md
- `splitifi_calculate_child_support` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-calculate-child-support.md
- `splitifi_calculate_co_parenting` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-calculate-co-parenting.md
- `splitifi_calculate_divorce_cost` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-calculate-divorce-cost.md
- `splitifi_calculate_property_division` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-calculate-property-division.md
- `splitifi_case_brief` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-case-brief.md
- `splitifi_case_strategy` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-case-strategy.md
- `splitifi_case_summary` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-case-summary.md
- `splitifi_client_intake` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-client-intake.md
- `splitifi_comparable_adr` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-comparable-adr.md
- `splitifi_comparable_antitrust` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-comparable-antitrust.md
- `splitifi_comparable_appellate` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-comparable-appellate.md
- `splitifi_comparable_bankruptcy` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-comparable-bankruptcy.md
- `splitifi_comparable_cases` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-comparable-cases.md
- `splitifi_comparable_civil_rights` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-comparable-civil-rights.md
- `splitifi_comparable_class_action` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-comparable-class-action.md
- `splitifi_comparable_construction` — Read — https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp/splitifi-comparable-construction.md
- …and 169 more: https://policylayer.com/tools/io-github-mysplitifi-splitifi-mcp.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=io-github-mysplitifi-splitifi-mcp · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-mysplitifi-splitifi-mcp