{
  "tool_id": "art-336-compute-ltv-ratios",
  "kernel_id": "art-336-compute-ltv-ratios",
  "display_name": "LTV/CLTV/HCLTV Ratio Calculator",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "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.",
  "control_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.",
  "declared_inputs": [],
  "declared_outputs": [
    "art-222-agency-eligibility-matrix"
  ],
  "kernel_digest": "sha256:b1cf4e50eda6742f9454bfe6c9f4c42b0fc3403ee6211d952211dd5530595dd0",
  "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-336-compute-ltv-ratios.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}