OpenChainGraph Suite · ART-222 · US Mortgage Agency and Government Loan Pricing

Agency Eligibility Matrix

Fannie Mae DU and Freddie Mac LPA agency eligibility checks. Tests DTI caps (DU/LPA: 50%; manual UW: 36% housing / 45% total), LTV/CLTV/HCLTV limits by occupancy type and loan purpose, and multi-unit constraints. Returns ELIGIBLE or INELIGIBLE with per-check detail. Table: FNM-LPA-ELIGIBILITY-2026-01-01.

Fannie Mae DU Freddie Mac LPA FNM-LPA-ELIGIBILITY-2026-01-01 DTI Caps LTV Limits

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⚠ Eligibility limits are version-pinned at build time. Agency guidelines update periodically. Verify against current Fannie Mae and Freddie Mac Selling Guides before using in production underwriting decisions. Not legal or compliance advice.

Loan and Borrower Inputs

FICO Score

Representative borrower credit score (300–850).

LTV (%)

Loan-to-value (0–100).

CLTV (%)

Combined LTV including subordinate liens.

HCLTV (%)

Home equity CLTV including HELOCs.

Total DTI (%)

Total debt-to-income ratio (0–100).

Housing DTI (%)

Front-end / housing expense ratio.

Loan Characteristics

Occupancy

Loan Purpose

Underwriting Type

Units

Eligibility Result

Overall Determination

Table Version

FNM-LPA-ELIGIBILITY-2026-01-01

Per-Check Detail

Summary Fields

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.