{
      "tool_id": "art-336-compute-ltv-ratios",
      "tool_version": "1.0.0",
      "display_name": "LTV/CLTV/HCLTV Ratio Calculator",
      "mcp_name": "compute_ltv_ratios",
      "mandate_type": "compliance_mandate",
      "wave": 60,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-336-compute-ltv-ratios.html",
      "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.",
      "input_schema_ref": "chaingraph/art-336-compute-ltv-ratios.html#manifest",
      "consumes": [],
      "feeds": [
        "art-222-agency-eligibility-matrix"
      ],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:65a08e84465e1ec8ca4a01e9b4b0c7d7d5c566ca467f6efdf622598c36511706","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-17"}],
      "export_capability": [
        "json"
      ],
      "compute_proof_ready": "ready",
      "compute_proof": {"type":"ZkVmReceipt","system":"risc0","receiptFormat":"groth16-bn254","imageId":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","seal":"KTxcvINeWMXKzskWT24frTjFA2ukX6ORhe17+NGapbUoFDxRToPz5lMpWPusMjjhSb/yoRyOglJuRbpaHt6EyQoCyx7PwAP/C/le8JPA/kCYf1zZNp/u2LZs014b3hdZCRxho5TTaZdh49fQSEqQH7O8trMaEJHZJ5SRno7ieKUHRD6t7aNpKAP357lvzCQJBRiM3mBtDtM6E0MbFZoo2Cgkp5JxyxOrtYlUeRHCSh/qTkvDT7y11dCtbGyx1ytjI8LUKtlWoan2XFYPqbNlMS9SG6123+U/mHv/6i2EnPwHt3vu8CclV2A3McJRTQ4UMddeMelovaKpKiLugC3g4Q==","journal":{"chaingraph_version":"0.4.0","kernel_digest":"sha256:65a08e84465e1ec8ca4a01e9b4b0c7d7d5c566ca467f6efdf622598c36511706","output":{"appraised_value":500000,"cltv_pct":80,"first_lien_amount":392000,"hcltv_pct":80,"heloc_credit_limit":0,"ltv_pct":80,"note":"CLTV includes closed-end subordinate financing at the drawn balance. HCLTV includes the full HELOC credit limit whether or not fully drawn, per B2-1.1-03. Value used is the lesser of appraised value and sales price for purchases; appraised value only for refinances. Not check_agency_eligibility_matrix (art-222), which consumes these ratios as inputs to its own LTV/CLTV/HCLTV eligibility checks.","regulatory_basis":"Fannie Mae Selling Guide B2-1.1-03 (LTV, CLTV, HCLTV Ratios); Freddie Mac Single-Family Seller/Servicer Guide 5401.1 (LTV/TLTV/HTLTV ratios)","sales_price":490000,"subordinate_lien_amount":0,"transaction_type":"purchase","value_used":490000}}}
    }