get_defaults
ChatGPTGet the default values used by this platform's tools. Returns sensible defaults for tool inputs that are optional or not yet specified by the buyer. Call this at the start of a session to pre-fill parameters before the buyer has provided their own values. Returns: - steadworthWebsite: The URL to the steadworth website. - defaultPurchasePrice: A representative home purchase price in dollars to use when the buyer has not yet provided one — suitable for initial program discovery and eligibility scoping. - assumedDownPaymentPct: Down payment fraction assumed when estimating loan-amount-based DPA (e.g., 0.10 means 10%). Relevant when a program option has amountBasis=LOAN_AMOUNT. - maxPageSize: Maximum number of results returned by any list tool in a single call. - minCreditScore: Minimum credit score accepted by eligibility tools. - loanProviders: All valid values for the loan_provider argument in search_dpa_programs. - propertyTypes: All valid values for the property_type argument in search_dpa_programs. Next step: Pass defaultPurchasePrice to search_dpa_programs as a starting point when the buyer has not yet specified a target price.
get_dpa_program
ChatGPTRetrieve a single down payment assistance program by its ID. Returns the full program profile including eligibility rules, financial limits, assistance type details, and geographic scope. Use this after discovering a program ID from list_dpa_programs or search_dpa_programs.
get_dpa_program_option
ChatGPTRetrieve a single DPA program option by its ID. A program option represents a specific assistance track within a DPA program (e.g. a different loan type, income tier, or geographic sub-scope). Use this after discovering an option ID from list_dpa_program_options or search_dpa_programs.
get_dpa_state_by_code
ChatGPTRetrieve a DPA state record by its 2-letter code. Returns the state's code, name, and slug. No program list is included — use search_dpa_programs with this state code to surface programs and eligibility.
get_dpa_state_by_slug
ChatGPTRetrieve a DPA state record by its URL slug. Returns the state's code, name, and slug. No program list is included — use search_dpa_programs with the resolved stateCode for full program results.
get_dpa_state_by_zip
ChatGPTResolve a ZIP code to its DPA state record. Returns the state's code, name, and slug. No program list is included — use search_dpa_programs with the resolved stateCode for full eligibility and program results.
get_dpa_teaser_by_state
ChatGPTDiscover down payment assistance (DPA) programs available for a state and purchase price. This is the recommended first call in any DPA or homebuyer financing conversation. No personal buyer data is required — use this to give the buyer an immediate sense of what assistance is available in their state before asking for income, credit score, or household details. Returns all plausibly eligible DPA programs, the maximum estimated assistance in dollars, the resolved state, and a warnings list. Always surface any warnings to the buyer — they indicate unavailable or incomplete data.
get_hfa
ChatGPTRetrieve a Housing Finance Agency (HFA) by its ID. Housing Finance Agencies are state or local agencies that administer DPA programs. Use this to look up an agency's name, abbreviation, and website before referencing it in a DPA program context.
get_organization
ChatGPTRetrieve a Housing Finance Agency (HFA) or program sponsor organization by its ID. Organizations are state or local agencies (or Steadworth itself) that administer programs. Use this to look up an organization's name, abbreviation, and website before referencing it in a program context.
get_platform_overview
ChatGPTGet a plain-language description of what this platform is and what it can do. Returns a single explanatory string — not structured data. Present it verbatim or paraphrase it to orient the user before they begin exploring programs. This platform aggregates down payment assistance (DPA) programs from Housing Finance Agencies (HFAs) across the United States. It helps prospective homebuyers discover what assistance is available near them, perform preliminary program matching, and understand the financial terms of each program — all without requiring an account or personal commitment. Next step: Call get_dpa_teaser_by_state with the buyer's state code and purchase price to surface programs and estimated assistance in their area — no personal buyer data required.
get_program
ChatGPTRetrieve a single down payment assistance program by its ID. Returns the full program profile including eligibility rules, financial limits, assistance type details, and the states it's available in. Use this after discovering a program ID from list_programs or search_down_payment_assistance.
get_program_option
ChatGPTRetrieve a single program option by its ID. A program option represents a specific assistance track within a program (e.g. a different loan type, income tier, or amount structure). Use this after discovering an option ID from list_program_options or search_down_payment_assistance. It returns the option's areas and lenders, and its income, price and credit limits only summarized (an option can have over a thousand, one per county), as in the lists: creditSummary (the lowest minimum credit score, how many rules there are, and hasDetail: whether a rule says more than its score), priceLimitSummary (the highest purchase-price cap, and whether it varies) and incomeLimitCount. The search checks a buyer against the limits themselves.
list_dpa_program_options
ChatGPTList DPA program options for a given program. Returns assistance tracks available within a specific DPA program. Use this to present the specific option choices to the buyer before they select one.
list_dpa_programs
ChatGPTList down payment assistance programs for a given Housing Finance Agency. Returns programs administered by the specified agency. Prefer search_dpa_programs for buyer-facing workflows — use this to browse a specific agency's programs or inspect their full catalog.
list_dpa_states
ChatGPTList all states that have DPA programs in the dataset. Returns each state with its code, name, and slug. No program list is included — use search_dpa_programs with a state_code to surface programs and eligibility for a buyer. All states are returned in a single response — no pagination needed. Returns a page object alongside results: - page.total: total number of states in the dataset Next step: Call search_dpa_programs with a state_code to find potential program matches.
list_hfas
ChatGPTList all Housing Finance Agencies (HFAs). Returns agencies from the DPA dataset. Prefer search_dpa_programs for buyer-facing workflows — use this for manual exploration or when the buyer wants to browse by agency.
list_organizations
ChatGPTList all organizations (Housing Finance Agencies and program sponsors). Prefer search_down_payment_assistance for buyer-facing workflows — use this for manual exploration or when the buyer wants to browse by agency.
list_program_options
ChatGPTList program options, optionally filtered by program. Returns assistance tracks available within a specific program. Use this to present the specific option choices to the buyer before they select one. Each option's rows are summarized: areaSummary (the states of its included areas, whether one is the whole country, how many areas it includes and excludes), creditSummary (the lowest minimum credit score, and whether a rule says more than it), priceLimitSummary (the highest purchase-price cap, and whether it varies), incomeLimitCount and lenderCount stand in for its areas, limits and lenders.
list_programs
ChatGPTList down payment assistance programs, optionally filtered by organization and/or state. Prefer search_down_payment_assistance for buyer-facing workflows — use this to browse a specific agency's programs or a state's programs.
search_down_payment_assistance
ChatGPTSearch down payment assistance (DPA) options — grants, forgivable and deferred loans, and similar programs — that appear to match the buyer's situation based on known public program rules. Each result is a {option, program, targetedOnly} triple: option is a single assistance option (not a program) and program is its parent program's profile. A program with several tracks (e.g. different terms or down-payment splits) can appear multiple times, once per matching option, each with its own option.amountDisplay/amountType and option.estimatedDpa (the estimated assistance in USD for the given purchase price). Use program.id to see which results belong to the same program, and option.hasSiblings to know whether a program has other options besides the one shown. An option's rows are summarized, not listed: option.areaSummary gives the states of its included areas, whether one of them is the whole country (nationwide), and how many areas it includes and excludes; option.creditSummary the lowest minimum credit score its rules state ("from" it when there are several rules) and whether a rule says more than its score (hasDetail: a DTI, LTV or CLTV cap, underwriting, a scope); option.priceLimitSummary its highest purchase-price cap and whether the cap varies (by area, loan or property type); option.incomeLimitCount and option.lenderCount how many income limits and lenders it has. Call get_program_option for its areas and lenders (its limits stay summarized there too). location is optional free text (for example "Austin, TX", "Travis County, TX", "78701" or "California"): omit it to search everywhere, or pass a place to restrict results to the options offered there. Options whose geography is unknown are never excluded. When targetedOnly is true the option matches only through targeted areas or targeted limits: tell the buyer they "may qualify in targeted areas", never a plain match. occupation and assistance_types (for example GRANT, FORGIVABLE_LOAN) narrow the results; leave them out unless the buyer mentions them. Options whose estimated assistance for the given purchase price is $0 are hidden by default; set include_zero_dpa to true to include them. Next step: For each matching option, call get_program_option for full option details, or get_program with its program.id for the parent program's profile.
search_dpa_programs
ChatGPTSearch DPA programs that appear to match the buyer's situation based on known public program rules. Results are preliminary informational matches — not a loan approval, credit decision, application submission, underwriting result, or final eligibility determination. Final eligibility is determined by the program administrator, lender, or housing agency. Two call modes: Discovery mode — pass only state_code, purchase_price, page, and size: Returns broad potential matches. Income, household size, credit score, loan type, and buyer-status fields were not provided; include them to refine matching. Always present these results as "programs available in this state" rather than programs the buyer qualifies for. Refined matching mode — add buyer-specific fields only when the user explicitly provides or requests them: Returns programs narrowed by the provided criteria. Buyer-specific fields are used only for preliminary rule matching. Always present these as "programs that appear to match" and remind the buyer that final eligibility is confirmed by the program administrator, lender, or housing agency. Treat credit_score as a last-resort optional field. Include it only when the buyer explicitly asks to refine using credit-score-sensitive program rules. Do not include it by default. When presenting results, say "X programs appear to match" or "potential matches found." Do not say the buyer is approved, guaranteed eligible, qualified, or entitled to assistance. Always surface any warnings from the response — they indicate incomplete location resolution or unavailable income limit data.
states
ChatGPTList all US states, each with its code, name and slug. Use this to fill a state picker or to validate a buyer's state before searching. No program list is included — use search_down_payment_assistance with a location to surface programs. All states are returned in a single response — no pagination needed. Returns a page object alongside results: - page.total: total number of states Next step: Call search_down_payment_assistance with a location to find potential program matches.
