{
      "tool_id": "art-225-va-funding-fee-residual",
      "tool_version": "1.0.0",
      "display_name": "VA Funding Fee and Residual Income",
      "mcp_name": "compute_va_funding_fee_residual",
      "mandate_type": "compliance_mandate",
      "wave": 38,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-225-va-funding-fee-residual.html",
      "description": "VA home loan funding fee (38 USC §3729) and residual income qualification. Funding fee table: first vs subsequent use, down-payment tiers (0%/5-9.99%/10%+), exemptions for service-connected disability/surviving spouse/Purple Heart. IRRRL: 0.50%. Residual income: VA Pamphlet 26-7 Ch.4 Tables 41A/41B by region (Northeast/Midwest/South/West) and family size; $80 per member above five. DTI benchmark: 41% (triggers residual income review when exceeded). Table versions: VA-FF-2025-01-01 (VA Circular 26-25-3); VA-PAMPHLET-26-7-CH4-2024.",
      "input_schema_ref": "chaingraph/art-225-va-funding-fee-residual.html#manifest",
      "consumes": [],
      "feeds": [],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:0a2c6c768159e004a4be516f27462520d1e1459d4323169d1530a336a0172053","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": "AH/0eycffPuWRNJGhc11AjmK7FSsAKznGXysG1Ovv3cmckEiUbdNgy/9OtiMCLjcfcNJvgI4GHwjyuhYGn84qAA25bDGjuNB0hutjkU+55zIQRW1R19hlOPIeZVM1/o8AH5zlcoNbmRHL42NC/t5L1vpfnZ0ZwL7bw/+0iebenoFaFLkyK9hSSNijXy5fyJWaZQOZ6jP/i3CBZK9texbCQhmdjJ7Fj8H+t1G/rmRI52ewQbEmzdo8+DVfwhLqsSmHCpW+g6D+/buphV+OOIgibcaWnf9Ty/l5zz7oC5fXHUQXHUvZLHSKgNPegCv6VLqIzYlGzrXvczkbqVjzY1nCQ==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:0a2c6c768159e004a4be516f27462520d1e1459d4323169d1530a336a0172053",
          "output": {
            "dti": {
              "actual_pct": 35,
              "benchmark_pct": 41,
              "ok": true,
              "residual_review_triggered": false
            },
            "funding_fee": {
              "amount": 6450,
              "basis": "purchase_first_dp_tier0",
              "exempt": false,
              "financed_loan_amount": 306450,
              "rate_pct": 2.15
            },
            "pii_note": "All inputs processed locally in your browser. No data is transmitted.",
            "regulatory_basis": "38 USC §§3701-3729 (VA Home Loan Program); 38 CFR Part 36; VA Pamphlet 26-7",
            "residual_income": {
              "actual_monthly": 4000,
              "family_size": 2,
              "margin": 3262,
              "meets_requirement": true,
              "region": "SO",
              "required_monthly": 738,
              "state_code": "TX"
            },
            "table_source_funding_fee": "38 USC §3729(a)(2); VA Circular 26-25-3 (effective 2025-01-01)",
            "table_source_residual": "VA Pamphlet 26-7 Ch.4 Tables 41A/41B (2024 edition)",
            "table_version_funding_fee": "VA-FF-2025-01-01",
            "table_version_residual": "VA-PAMPHLET-26-7-CH4-2024"
          }
        }
      }
    }