{
  "name": "homebuyer-affordability-check",
  "title": "Homebuyer Affordability Check",
  "description": "Check the two ratios lenders check first: debt-to-income (DTI) per Fannie Mae Selling Guide B3-6-02 (ART-335) and loan-to-value (LTV) per Fannie Mae Selling Guide B2-1.1-03 (ART-336), then a session receipt aggregating the run's execution hashes (CRY-05). This shows two underwriting ratios, not a promise of approval or denial. Not financial advice.",
  "domain": "Consumer & Wealth Compliance",
  "composer_url": "https://ainumbers.co/chaingraph/chains/homebuyer-affordability-check.html",
  "regulatory_basis_status": "not_assessed",
  "regulatory_basis_decided_by": "CHAIN-COMPOSE-HOMEBUYER-1",
  "regulatory_basis_decided_at": "2026-10-11",
  "sequence_not_statutory": true,
  "steps": [
    {
      "tool_id": "art-335-compute-dti-ratios",
      "handoff": "Produces front_end_dti_pct and back_end_dti_pct from gross monthly income, housing payment (PITIA), and other monthly debts; classifies the back-end ratio into a DTI tier"
    },
    {
      "tool_id": "art-336-compute-ltv-ratios",
      "handoff": "Produces ltv_pct, cltv_pct, and hcltv_pct from appraised value, sales price, and lien amounts; applies the lesser-of-value-or-price rule"
    },
    {
      "tool_id": "cry-05-agent-action-audit-trail-aggregator",
      "handoff": "Produces session_receipt_root, the Merkle root over the run's execution_hashes (final stage)"
    }
  ]
}