{
  "tool_id": "art-223-conforming-loan-limit",
  "kernel_id": "art-223-conforming-loan-limit",
  "display_name": "Conforming Loan Limit Check",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "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).",
  "control_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).",
  "declared_inputs": [],
  "declared_outputs": [
    "art-222-agency-eligibility-matrix"
  ],
  "kernel_digest": "sha256:114e209f4a992a5b64a0357a6263fe467420738e6ac70b6c238b17987521fb40",
  "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-223-conforming-loan-limit.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}