{
      "tool_id": "art-223-conforming-loan-limit",
      "tool_version": "1.0.0",
      "display_name": "Conforming Loan Limit Check",
      "mcp_name": "check_conforming_loan_limit",
      "mandate_type": "compliance_mandate",
      "wave": 38,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-223-conforming-loan-limit.html",
      "description": "FHFA annual conforming loan limit classifier. 2026 baseline: $806,500 (1-unit), $1,032,650 (2-unit), $1,248,150 (3-unit), $1,550,400 (4-unit). High-cost county and AK/HI/Guam/USVI ceiling at 150% of baseline. Classifies loans as conforming, super-conforming, or jumbo. Accepts optional county-level limit override from FHFA FullCountyLoanLimitList2026.xlsx. Table version: FHFA-CLL-2026. Not lookup_reg_z_thresholds (Reg Z consumer-protection dollar thresholds) or check_agency_eligibility_matrix (DU/LPA approval parameters).",
      "input_schema_ref": "chaingraph/art-223-conforming-loan-limit.html#manifest",
      "consumes": [],
      "feeds": [
        "art-222-agency-eligibility-matrix"
      ],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:114e209f4a992a5b64a0357a6263fe467420738e6ac70b6c238b17987521fb40","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": "KoFXRAC1yuVUmDFIy5OrJuOiTtgf9w9OcLsHALXLVhoQ4AMJUEUgT+WNhpUiLNU6OYWTPeWL7werPUBGChZWKxayhDLRq1rAHwSWDRAs/6ND9WkLj4MnR1U/Z3sw0dkeAayUGkgH75EpCWetqFAMj1Mu8XthKvpQThDIqaWYCD8lpderyzcbCr4R1XMx27x/+fR5LkJsse4G7BKhHrhkFyhAvmpXoISLFeWECpsnznUC2LsS8cs+dsiTRVrDSe0+HCnx9fzRl2ZyMJw9IOb3m/buyZe1cdRTbPFBzndFG1Ub4m4mL3Rn6qwSYXEb6/VXYTBVX66rJ/kftRVNVJfnzw==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:114e209f4a992a5b64a0357a6263fe467420738e6ac70b6c238b17987521fb40",
          "output": {
            "applicable_limit": 806500,
            "baseline_limit": 806500,
            "classification": "conforming",
            "conforming": true,
            "high_cost_ceiling": 1209750,
            "is_ak_hi_territory": false,
            "jumbo": false,
            "limit_tier": "baseline",
            "loan_amount": 700000,
            "loan_program": "VA",
            "note": "County-level limit sourced from caller (county_limit_override) when provided. Baseline and ceiling values are 2026 FHFA announcement. Verify high-cost designation against FHFA county dataset for exact limit.",
            "pii_note": "All inputs processed locally in your browser. No data is transmitted.",
            "regulatory_basis": "12 USC 1454 (Freddie Mac Charter §305); 12 USC 1717 (Fannie Mae Charter §304(b)); Housing and Economic Recovery Act 2008 §201; FHFA Annual CLL Adjustment",
            "state_code": null,
            "super_conforming": false,
            "table_source": "FHFA 2026 Conforming Loan Limits (FHFA.gov, Nov 2025 announcement; FullCountyLoanLimitList2026.xlsx)",
            "table_version": "FHFA-CLL-2026",
            "units": 1
          }
        }
      }
    }