# Resale Proceeds Disposition Plan AI Agent Connect > Resale Proceeds Disposition Plan MCP handles the math behind liquidating real estate assets. It calculates how to distribute net proceeds by following your specific hierarchy of household priorities, mandatory commitments, and future needs. Instead of guessing how much cash you'll have left after closing costs and mortgage payoffs, your AI client can generate a precise, itemized breakdown of every dollar. ## Overview - **Category:** finance - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_wzHAcIGyzSDVXXvlbBcUbiHvgseDID8NxQE0OJVF/ai-agent-connect - **Tags:** real-estate, financial-planning, asset-liquidation, budgeting, household-finance ## Description When you sell a home, the money doesn't just sit in a bank account; it needs a destination. This MCP acts as a strategic engine for managing that transition of capital. You can set up a strict hierarchy of priorities, ensuring that mandatory obligations like mortgage payoffs or legal commitments are handled before you look at discretionary spending or future savings. Your AI client uses this logic to prevent overspending and ensure financial integrity. If your closing costs change at the last minute, you don't have to rebuild your entire budget from scratch. You simply tell your agent to update the costs, and it recalculates the entire distribution plan based on your established rules. It even applies a Residual Rule to any leftover surplus, so you aren't left wondering where the extra cash went. It's a way to turn a messy real estate transaction into a disciplined financial roadmap. ## Tools ### adjust_for_cost_change This tool updates your entire distribution plan when sale expenses or closing costs change. It automatically redistributes the remaining funds based on your priority list. ### calculate_disposition_plan This tool generates a complete, itemized list of how every dollar from your sale proceeds should be allocated. It follows your specific hierarchy of needs and obligations. ### get_allocation_summary This tool provides a high-level snapshot of your financial plan. It's useful for checking your total allocated funds against your available net proceeds. ### validate_sharing_logic This tool checks the math behind your intended proceeds sharing. It confirms whether your planned distributions are actually possible given the total amount available. ## Prompt Examples **Prompt:** ``` Calculate a plan for a $500,000 sale with $20,000 in costs, a $50,000 mortgage payoff priority, and a $10,000 furniture need. ``` **Response:** ``` Net proceeds are $480,000. The $50,000 mortgage payoff is fully funded, and the $10,000 furniture need is covered. You have $420,000 remaining for other priorities or savings. ``` **Prompt:** ``` I need to see a summary of my current disposition plan. ``` **Response:** ``` The plan has allocated $150,000 of the available funds. There is a total of $25,000 in unmet savings targets, and the current surplus status is 'Partial Coverage'. ``` **Prompt:** ``` What if my closing costs increase from $15,000 to $18,000? ``` **Response:** ``` The plan has been recalculated. With the new $18,000 cost, the net proceeds are reduced, and the allocation has been redistributed starting from your highest priority items. ``` ## Capabilities ### Priority-Based Allocation Your agent uses this to distribute funds according to a strict hierarchy of household needs. ### Dynamic Recalculation The AI updates the entire plan immediately if sale costs fluctuate. ### Mathematical Validation Your client checks if your proposed spending matches the actual cash available. ### Surplus Management The tool applies a Residual Rule to handle any leftover money after all priorities are met. ## Use Cases ### Post-Sale Budgeting Map out how to use your house sale money to fund a new down payment and pay off old debts. ### Handling Cost Fluctuations Quickly adjust your financial plan when unexpected real estate commissions or fees arise. ### Estate Settlement Ensure that all legal obligations and debts are satisfied before distributing remaining assets. ### Household Financial Health Checks Get a high-level view of how much of your sale proceeds are already committed to specific goals. ## Benefits - Eliminates manual math errors during real estate liquidations. - Enforces a disciplined hierarchy for spending sale proceeds. - Provides instant plan updates when closing costs change. - Ensures all mandatory financial commitments are met first. ## How It Works Connect the MCP to your preferred AI client to start managing your liquidation math. 1. Connect the MCP to Claude, Cursor, or Windsurf via Vinkius. 2. Tell your agent your total sale price and estimated costs. 3. Define your priority list, such as mortgage payoffs or savings targets. 4. Ask your agent to generate the itemized plan or a summary. 5. Update costs as they change to see the plan recalculate instantly. ## Frequently Asked Questions **How does this MCP handle unexpected closing costs?** You use the adjust_for_cost_change tool. It recalculates the entire plan and redistributes the funds starting from your highest priority items. **Can I use this with Claude or Cursor?** Yes. You can connect this MCP to any MCP-compatible client like Claude, Cursor, or Windsurf. **What happens to the money left over after all priorities are met?** The MCP applies a Residual Rule to any remaining surplus to ensure the plan remains mathematically sound. **Does this tool help with debt payoff?** Yes. You can set mortgage payoffs or other debts as high-priority items in your disposition plan. **How do I know if my plan is actually possible?** You can use the validate_sharing_logic tool to ensure your intended distribution of proceeds is mathematically feasible. **How does the tool handle changes in sale costs?** You can use the `adjust_for_cost_change` tool. It doesn't just subtract the difference; it re-runs the entire priority-based distribution logic from the top of the hierarchy to ensure the plan remains accurate. **Can I check if my sharing commitments are realistic?** Yes, the `validate_sharing_logic` tool checks if the intended distribution to co-owners or partners is mathematically possible given the net proceeds. **What happens to money left over after all priorities are met?** Any remaining capital after costs, commitments, and replacement needs are addressed is considered surplus and is typically allocated to the highest priority savings target.