{
  "title": "US Mortgage Calculator open datasets",
  "description": "Machine-readable mortgage and property tax reference data, free to reuse under CC BY 4.0.",
  "version": "1.0.0",
  "license": {
    "id": "CC-BY-4.0",
    "name": "Creative Commons Attribution 4.0 International",
    "url": "https://creativecommons.org/licenses/by/4.0/",
    "summary": "Free to use, share and adapt, including commercially, provided the source is credited."
  },
  "canonicalUrl": "https://www.usmortgagecalc.com/datasets",
  "datasets": [
    {
      "id": "state-property-tax",
      "title": "US State Property Tax Rates",
      "description": "Average effective property tax rate, median home value and estimated annual property tax for all 50 US states, with assessment basis, homestead exemption and appeal process where published.",
      "rowCount": 50,
      "csv": "https://www.usmortgagecalc.com/datasets/state-property-tax.csv",
      "json": "https://www.usmortgagecalc.com/datasets/state-property-tax.json"
    },
    {
      "id": "conforming-loan-limits",
      "title": "Conforming Loan Limits",
      "description": "The baseline conforming loan limit that separates conventional lending from jumbo, published annually by the FHFA.",
      "rowCount": 1,
      "csv": "https://www.usmortgagecalc.com/datasets/conforming-loan-limits.csv",
      "json": "https://www.usmortgagecalc.com/datasets/conforming-loan-limits.json"
    },
    {
      "id": "fha-limits",
      "title": "FHA Loan Limits and Premiums",
      "description": "FHA loan limit floor and ceiling, upfront and annual mortgage insurance premiums, minimum down payments by credit score, and the rules governing when annual MIP ends.",
      "rowCount": 8,
      "csv": "https://www.usmortgagecalc.com/datasets/fha-limits.csv",
      "json": "https://www.usmortgagecalc.com/datasets/fha-limits.json"
    },
    {
      "id": "mortgage-insurance",
      "title": "Mortgage Insurance Assumptions",
      "description": "Mortgage insurance across all four loan programmes — conventional PMI, FHA MIP, the VA funding fee and the USDA guarantee fee — including the statutory PMI cancellation thresholds and which premiums cancel at all.",
      "rowCount": 11,
      "csv": "https://www.usmortgagecalc.com/datasets/mortgage-insurance.csv",
      "json": "https://www.usmortgagecalc.com/datasets/mortgage-insurance.json"
    },
    {
      "id": "ownership-cost-assumptions",
      "title": "Ownership Cost and Qualifying Assumptions",
      "description": "Maintenance budgets, buyer and seller closing cost ranges, and the debt-to-income thresholds lenders underwrite against. Homeowners insurance premiums are a user input rather than a modelled value — see the notes for why.",
      "rowCount": 10,
      "csv": "https://www.usmortgagecalc.com/datasets/ownership-cost-assumptions.csv",
      "json": "https://www.usmortgagecalc.com/datasets/ownership-cost-assumptions.json"
    }
  ]
}