OpenChainGraph Suite · ART-221 · US Mortgage Agency and Government Loan Pricing

LLPA Stack Calculator

Fannie Mae public LLPA (Loan-Level Price Adjustment) matrix. Computes FICO-by-LTV base adjustments plus feature surcharges for cash-out refinance, second home, investment property, warrantable condo, and subordinate financing. Applies FTHB AMI waiver (up to 1.75 pp reduction). Table: FNM-LLPA-2025-11-01.

Fannie Mae LLPA FNM-LLPA-2025-11-01 FTHB AMI Waiver

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.

⚠ LLPA grids are version-pinned at build time. Fannie Mae updates these periodically. Verify against the current Fannie Mae LLPA matrix before using in production pricing decisions. Not legal or compliance advice.

Borrower and Loan Characteristics

FICO Score

Representative credit score (300–850).

LTV (%)

Loan-to-value ratio (0–100).

Loan Purpose

Occupancy Type

Property Type

Feature Adjustments

Subordinate Financing

Check if a subordinate lien is present.

First-Time Homebuyer (FTHB)

Check to apply FTHB AMI waiver if eligible.

Borrower Income as % of AMI

Area Median Income percentage. Waiver applies when income is at or below 100% AMI (up to 1.75 pp).

LLPA Result

Total LLPA

Table Version

FNM-LLPA-2025-11-01

Adjustment Breakdown

Execution Hash (SHA-256)

⚠ Not legal or compliance advice. Outputs are computed from version-pinned tables and your inputs only. Consult qualified counsel before relying on any result for production decisions.