OpenChainGraph Suite · ART-222 · US Mortgage Agency and Government Loan Pricing

Agency Eligibility Matrix

Fannie Mae DU and Freddie Mac LPA agency eligibility checks. Tests DTI caps (DU/LPA: 50%; manual UW: 36% housing / 45% total), LTV/CLTV/HCLTV limits by occupancy type and loan purpose, and multi-unit constraints. Returns ELIGIBLE or INELIGIBLE with per-check detail. Table: FNM-LPA-ELIGIBILITY-2026-01-01.

Fannie Mae DU Freddie Mac LPA FNM-LPA-ELIGIBILITY-2026-01-01 DTI Caps LTV Limits
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
⚠ Eligibility limits are version-pinned at build time. Agency guidelines update periodically. Verify against current Fannie Mae and Freddie Mac Selling Guides before using in production underwriting decisions. Not legal or compliance advice.
Loan and Borrower Inputs
Representative borrower credit score (300–850).
Loan-to-value (0–100).
Combined LTV including subordinate liens.
Home equity CLTV including HELOCs.
Total debt-to-income ratio (0–100).
Front-end / housing expense ratio.
Loan Characteristics
Eligibility Result
Overall Determination
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Table Version
FNM-LPA-ELIGIBILITY-2026-01-01
Per-Check Detail
Summary Fields
Execution Hash (SHA-256)
⚠ Not legal or compliance advice. Outputs are computed from version-pinned tables and your inputs only. Consult qualified counsel before relying on any result for production decisions.







  

    
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Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `check_agency_eligibility_matrix`. Task: Fannie Mae DU and Freddie Mac LPA agency eligibility matrix.
Call it with arguments: {"policy_parameters":{"fico_score":740,"ltv_pct":80,"dti_pct":40,"occupancy_type":"primary","property_type":"sfr","loan_purpose":"purchase","underwriting_type":"du","units":1}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-222-agency-eligibility-matrix.html#p=v1.H4sIAAAAAAAA_wGaAGX_eyJmaWNvX3Njb3JlIjo3NDAsImx0dl9wY3QiOjgwLCJkdGlfcGN0Ijo0MCwib2NjdXBhbmN5X3R5cGUiOiJwcmltYXJ5IiwicHJvcGVydHlfdHlwZSI6InNmciIsImxvYW5fcHVycG9zZSI6InB1cmNoYXNlIiwidW5kZXJ3cml0aW5nX3R5cGUiOiJkdSIsInVuaXRzIjoxfauRejSaAAAA