{
  "tool_id": "art-335-compute-dti-ratios",
  "kernel_id": "art-335-compute-dti-ratios",
  "display_name": "DTI Ratio Calculator",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Front-end (housing) and back-end (total) debt-to-income ratios per Fannie Mae Selling Guide B3-6-02 and Freddie Mac Single-Family Seller/Servicer Guide 5401.2. Classifies the back-end ratio into a standard-manual / extended-manual-compensating-factors / DU-LPA-only / exceeds-max tier and flags whether the loan is within the max DTI for the selected underwriting type (DU, LPA, or manual). Feeds art-222-agency-eligibility-matrix as one of its DTI inputs. Not check_agency_eligibility_matrix itself, which performs the full multi-check eligibility decision.",
  "control_description": "Front-end (housing) and back-end (total) debt-to-income ratios per Fannie Mae Selling Guide B3-6-02 and Freddie Mac Single-Family Seller/Servicer Guide 5401.2. Classifies the back-end ratio into a standard-manual / extended-manual-compensating-factors / DU-LPA-only / exceeds-max tier and flags whether the loan is within the max DTI for the selected underwriting type (DU, LPA, or manual). Feeds art-222-agency-eligibility-matrix as one of its DTI inputs. Not check_agency_eligibility_matrix itself, which performs the full multi-check eligibility decision.",
  "declared_inputs": [],
  "declared_outputs": [
    "art-222-agency-eligibility-matrix"
  ],
  "kernel_digest": "sha256:2e686160add3cada6ff0482be86c0e368cd1680f7566f8deac31974459f9dc69",
  "trust_label": "independently verified -- zkVM execution proof (risc0/groth16-bn254)",
  "data_vintage": "2026-07-17",
  "last_validated": "2026-07-17",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 60,
  "source_url": "https://ainumbers.co/chaingraph/art-335-compute-dti-ratios.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}