{
      "tool_id": "art-336-compute-ltv-ratios",
      "tool_version": "1.0.0",
      "display_name": "LTV/CLTV/HCLTV Ratio Calculator",
      "mcp_name": "compute_ltv_ratios",
      "mandate_type": "compliance_mandate",
      "wave": 60,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-336-compute-ltv-ratios.html",
      "description": "Loan-to-value, combined LTV, and home-equity combined LTV per Fannie Mae Selling Guide B2-1.1-03 and Freddie Mac Single-Family Seller/Servicer Guide 5401.1. Applies the lesser-of-value-or-price rule for purchases, appraised value for refinances, and includes the full HELOC credit limit (not just the drawn balance) in HCLTV. Feeds art-222-agency-eligibility-matrix as its LTV/CLTV/HCLTV inputs. Not check_agency_eligibility_matrix itself, which performs the full multi-check eligibility decision.",
      "input_schema_ref": "chaingraph/art-336-compute-ltv-ratios.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:c67d83f00f9ea80df10f2691b2a0660aab5f4dd3bddeebfec93469346b192947","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-17"}],
      "export_capability": [
        "json"
      ],
      "compute_proof_ready": "ready",
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "CAXLDy9nLdiqBut61ueW+4JvsQ/gnaTx2CRFQOH2Iy8c8RRqpe9xEq//upcGdRcGZktMQxGQzwP5jYhR/Ol4RQDoB0jJ49wrJ4uHOEeVkJXGfRXyUaVGdSxFRYCtZG9/BJ9vujLJIvifWYdKGy3xmWf9UFYQ1jOsWpZMeLqvbBIXI033OLGCaax5RAY45xVxmOX1WNTGHe3MDxU8Nq08sQ561hos3D9Bd8ijGCFYEvNAQcrscAA+o7G4ea4jCe1SHeyZXoKF11OaNY0Z0PZDoK7jkIM5NKBKNTzwqOhcJCgFISwHG0wZRAZs/RXt88jtwNp7YFWTlMTpHZBd098QUw==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:b1cf4e50eda6742f9454bfe6c9f4c42b0fc3403ee6211d952211dd5530595dd0",
          "output": {
            "appraised_value": 500000,
            "cltv_pct": 80,
            "first_lien_amount": 392000,
            "hcltv_pct": 80,
            "heloc_credit_limit": 0,
            "ltv_pct": 80,
            "note": "CLTV includes closed-end subordinate financing at the drawn balance. HCLTV includes the full HELOC credit limit whether or not fully drawn, per B2-1.1-03. Value used is the lesser of appraised value and sales price for purchases; appraised value only for refinances. Not check_agency_eligibility_matrix (art-222), which consumes these ratios as inputs to its own LTV/CLTV/HCLTV eligibility checks.",
            "regulatory_basis": "Fannie Mae Selling Guide B2-1.1-03 (LTV, CLTV, HCLTV Ratios); Freddie Mac Single-Family Seller/Servicer Guide 5401.1 (LTV/TLTV/HTLTV ratios)",
            "sales_price": 490000,
            "subordinate_lien_amount": 0,
            "transaction_type": "purchase",
            "value_used": 490000
          }
        }
      }
    }