{
  "tool_id": "art-222-agency-eligibility-matrix",
  "kernel_id": "art-222-agency-eligibility-matrix",
  "display_name": "Agency Eligibility Matrix",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "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).",
  "control_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).",
  "declared_inputs": [
    "art-223-conforming-loan-limit"
  ],
  "declared_outputs": [
    "art-221-llpa-stack"
  ],
  "kernel_digest": "sha256:1974e5147a75759c71c8deb05d10e26b2803fb3ce6c5947cabd998c089cf0e49",
  "trust_label": "independently verified -- zkVM execution proof (risc0/groth16-bn254)",
  "data_vintage": "2026-07-10",
  "last_validated": "2026-07-10",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 38,
  "source_url": "https://ainumbers.co/chaingraph/art-222-agency-eligibility-matrix.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}