{
      "tool_id": "art-222-agency-eligibility-matrix",
      "tool_version": "1.0.0",
      "display_name": "Agency Eligibility Matrix",
      "mcp_name": "check_agency_eligibility_matrix",
      "mandate_type": "compliance_mandate",
      "wave": 38,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-222-agency-eligibility-matrix.html",
      "description": "Fannie Mae DU and Freddie Mac LPA agency eligibility matrix. Checks DTI caps (DU/LPA: 50%; manual UW: 36% housing / 45% total), LTV/CLTV/HCLTV maximums by occupancy type (primary/second home/investment) and loan purpose (purchase/rate-term/cash-out), and multi-unit property constraints. Returns eligible_flag (ELIGIBLE or INELIGIBLE) and detailed per-check results. Table version: FNM-LPA-ELIGIBILITY-2026-01-01. Not compute_llpa_stack (LLPA pricing surcharges) or check_conforming_loan_limit (FHFA loan size limits).",
      "input_schema_ref": "chaingraph/art-222-agency-eligibility-matrix.html#manifest",
      "consumes": [
        "art-223-conforming-loan-limit"
      ],
      "feeds": [
        "art-221-llpa-stack"
      ],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:1974e5147a75759c71c8deb05d10e26b2803fb3ce6c5947cabd998c089cf0e49","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-04"}],
      "export_capability": [
        "json"
      ],
      "compute_proof_ready": "ready",
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "D4Qh/vnDzY7EkWwcqP+6UQFW8xqufh25w7fk7CdZekUgSTj7xvPVESUAQqT1q6thFqseNdfto4GSXJ7y6F+asx2+RbII76vqlUkAlTefoF8uQ34sPVzlgxzKsIIm6pZdLlBN5G4+mRbtxbxgAj+iH0sgk3O3x19VEdB3tedaXxsZwiz+xNuMsOcymLi9KbUyKeDxTu7hUrjU30K05oUgcRkxrUjRXC0wdBawwOr9mM8fheZOmebNsZpuBCOQkZZ4IuqMi5BmDg9YbB+k/2fk/+O6OFv26pj3Stm+lIEho10arVRynqisa/hvDoJOLSxaVvEbKm1VwAnmXcfK/rvmUA==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:1974e5147a75759c71c8deb05d10e26b2803fb3ce6c5947cabd998c089cf0e49",
          "output": {
            "checks": [
              {
                "actual": 740,
                "check": "fico_minimum",
                "note": null,
                "pass": true,
                "required": 620
              },
              {
                "actual": 80,
                "check": "ltv",
                "pass": true,
                "required_max": 97
              },
              {
                "actual": 80,
                "check": "cltv",
                "pass": true,
                "required_max": 105
              },
              {
                "actual": 80,
                "check": "hcltv",
                "pass": true,
                "required_max": 105
              },
              {
                "actual": 40,
                "check": "dti_total",
                "pass": true,
                "required_max": 50,
                "underwriting": "du"
              }
            ],
            "eligible": true,
            "eligible_flag": "ELIGIBLE",
            "fails": [],
            "max_cltv_pct": 105,
            "max_dti_pct": 50,
            "max_hcltv_pct": 105,
            "max_ltv_pct": 97,
            "pii_note": "All inputs processed locally in your browser. No data is transmitted.",
            "product_notes": [],
            "regulatory_basis": "12 USC 4501 (FHFA); Fannie Mae Selling Guide; Freddie Mac Single-Family Guide; DU v11.1+",
            "table_source": "Fannie Mae Selling Guide B3-2-01/B3-3.1-09 (DU); Freddie Mac Guide Ch.5100 (LPA); effective 2026-01-01",
            "table_version": "FNM-LPA-ELIGIBILITY-2026-01-01",
            "underwriting_type": "du"
          }
        }
      }
    }