{
  "tool_id": "art-222-agency-eligibility-matrix",
  "note": "Vectors derived from Fannie Mae Selling Guide B3-2-01 (DU) / Freddie Mac Guide Ch.5100 (LPA), table_version FNM-LPA-ELIGIBILITY-2026-01-01 (public). golden_hash empty until golden-parity --update.",
  "vectors": [
    {
      "name": "eligible_du_primary_purchase",
      "description": "DU-eligible: FICO 740, LTV 80, DTI 40, primary purchase 1-unit. All caps satisfied.",
      "policy_parameters": {
        "fico_score": 740,
        "ltv_pct": 80,
        "dti_pct": 40,
        "occupancy_type": "primary",
        "property_type": "sfr",
        "loan_purpose": "purchase",
        "underwriting_type": "du",
        "units": 1
      },
      "output_payload": {
        "eligible": true,
        "eligible_flag": "ELIGIBLE",
        "fails": [],
        "checks": [
          {
            "check": "fico_minimum",
            "required": 620,
            "actual": 740,
            "pass": true,
            "note": null
          },
          {
            "check": "ltv",
            "required_max": 97,
            "actual": 80,
            "pass": true
          },
          {
            "check": "cltv",
            "required_max": 105,
            "actual": 80,
            "pass": true
          },
          {
            "check": "hcltv",
            "required_max": 105,
            "actual": 80,
            "pass": true
          },
          {
            "check": "dti_total",
            "required_max": 50,
            "actual": 40,
            "pass": true,
            "underwriting": "du"
          }
        ],
        "max_ltv_pct": 97,
        "max_cltv_pct": 105,
        "max_hcltv_pct": 105,
        "max_dti_pct": 50,
        "underwriting_type": "du",
        "product_notes": [],
        "table_version": "FNM-LPA-ELIGIBILITY-2026-01-01",
        "table_source": "Fannie Mae Selling Guide B3-2-01/B3-3.1-09 (DU); Freddie Mac Guide Ch.5100 (LPA); effective 2026-01-01",
        "regulatory_basis": "12 USC 4501 (FHFA); Fannie Mae Selling Guide; Freddie Mac Single-Family Guide; DU v11.1+",
        "pii_note": "All inputs processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "1a240d50237c955c1360469660982c31a142117391c943f5470c5de09039cdcf"
    },
    {
      "name": "ineligible_fico_below_620",
      "description": "INELIGIBLE: FICO 600 below DU minimum 620 (du path), LTV 80, DTI 40, primary purchase.",
      "policy_parameters": {
        "fico_score": 600,
        "ltv_pct": 80,
        "dti_pct": 40,
        "occupancy_type": "primary",
        "property_type": "sfr",
        "loan_purpose": "purchase",
        "underwriting_type": "du",
        "units": 1
      },
      "output_payload": {
        "eligible": false,
        "eligible_flag": "INELIGIBLE",
        "fails": [
          "FICO_BELOW_MINIMUM"
        ],
        "checks": [
          {
            "check": "fico_minimum",
            "required": 620,
            "actual": 600,
            "pass": false,
            "note": null
          },
          {
            "check": "ltv",
            "required_max": 97,
            "actual": 80,
            "pass": true
          },
          {
            "check": "cltv",
            "required_max": 105,
            "actual": 80,
            "pass": true
          },
          {
            "check": "hcltv",
            "required_max": 105,
            "actual": 80,
            "pass": true
          },
          {
            "check": "dti_total",
            "required_max": 50,
            "actual": 40,
            "pass": true,
            "underwriting": "du"
          }
        ],
        "max_ltv_pct": 97,
        "max_cltv_pct": 105,
        "max_hcltv_pct": 105,
        "max_dti_pct": 50,
        "underwriting_type": "du",
        "product_notes": [],
        "table_version": "FNM-LPA-ELIGIBILITY-2026-01-01",
        "table_source": "Fannie Mae Selling Guide B3-2-01/B3-3.1-09 (DU); Freddie Mac Guide Ch.5100 (LPA); effective 2026-01-01",
        "regulatory_basis": "12 USC 4501 (FHFA); Fannie Mae Selling Guide; Freddie Mac Single-Family Guide; DU v11.1+",
        "pii_note": "All inputs processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "50d5c5141fa2a10109122e01a7086d592ac76161c293e9293c1bbc219eadb215"
    }
  ]
}