{
  "tool_id": "art-223-conforming-loan-limit",
  "note": "Vectors derived from FHFA 2026 Conforming Loan Limits (table_version FHFA-CLL-2026, public FHFA.gov Nov 2025 announcement). 1-unit baseline $806,500; high-cost ceiling $1,209,750. golden_hash empty until golden-parity --update.",
  "vectors": [
    {
      "name": "conforming_baseline_1unit_va",
      "description": "FHFA 2026 baseline: $700,000 1-unit conventional loan below $806,500 baseline. Conforming. loan_program carried for chain gate routing.",
      "policy_parameters": {
        "loan_amount": 700000,
        "units": 1,
        "year": 2026,
        "loan_program": "VA"
      },
      "output_payload": {
        "conforming": true,
        "super_conforming": false,
        "jumbo": false,
        "classification": "conforming",
        "loan_program": "VA",
        "loan_amount": 700000,
        "applicable_limit": 806500,
        "baseline_limit": 806500,
        "high_cost_ceiling": 1209750,
        "limit_tier": "baseline",
        "units": 1,
        "state_code": null,
        "is_ak_hi_territory": false,
        "table_version": "FHFA-CLL-2026",
        "table_source": "FHFA 2026 Conforming Loan Limits (FHFA.gov, Nov 2025 announcement; FullCountyLoanLimitList2026.xlsx)",
        "regulatory_basis": "12 USC 1454 (Freddie Mac Charter §305); 12 USC 1717 (Fannie Mae Charter §304(b)); Housing and Economic Recovery Act 2008 §201; FHFA Annual CLL Adjustment",
        "note": "County-level limit sourced from caller (county_limit_override) when provided. Baseline and ceiling values are 2026 FHFA announcement. Verify high-cost designation against FHFA county dataset for exact limit.",
        "pii_note": "All inputs processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "64eb578eb183b8c73b98f54559403c13250693db4faa2f8fc0ded3fad003b7a5"
    },
    {
      "name": "high_cost_ceiling_1unit",
      "description": "FHFA 2026 high-cost county: $1,000,000 1-unit, high_cost_county true. Applicable limit = 150% ceiling $1,209,750; conforming within ceiling.",
      "policy_parameters": {
        "loan_amount": 1000000,
        "units": 1,
        "high_cost_county": true,
        "year": 2026,
        "loan_program": "Conventional"
      },
      "output_payload": {
        "conforming": true,
        "super_conforming": false,
        "jumbo": false,
        "classification": "conforming",
        "loan_program": "Conventional",
        "loan_amount": 1000000,
        "applicable_limit": 1209750,
        "baseline_limit": 806500,
        "high_cost_ceiling": 1209750,
        "limit_tier": "high_cost_ceiling",
        "units": 1,
        "state_code": null,
        "is_ak_hi_territory": false,
        "table_version": "FHFA-CLL-2026",
        "table_source": "FHFA 2026 Conforming Loan Limits (FHFA.gov, Nov 2025 announcement; FullCountyLoanLimitList2026.xlsx)",
        "regulatory_basis": "12 USC 1454 (Freddie Mac Charter §305); 12 USC 1717 (Fannie Mae Charter §304(b)); Housing and Economic Recovery Act 2008 §201; FHFA Annual CLL Adjustment",
        "note": "County-level limit sourced from caller (county_limit_override) when provided. Baseline and ceiling values are 2026 FHFA announcement. Verify high-cost designation against FHFA county dataset for exact limit.",
        "pii_note": "All inputs processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "1719b2fefaf0b21d68669dd1ac0bd36d46d017d325749d186afb20859b986bb1"
    },
    {
      "name": "jumbo_above_baseline",
      "description": "Non-conforming jumbo: $950,000 1-unit standard county above $806,500 baseline.",
      "policy_parameters": {
        "loan_amount": 950000,
        "units": 1,
        "year": 2026,
        "loan_program": "Conventional"
      },
      "output_payload": {
        "conforming": false,
        "super_conforming": true,
        "jumbo": true,
        "classification": "jumbo",
        "loan_program": "Conventional",
        "loan_amount": 950000,
        "applicable_limit": 806500,
        "baseline_limit": 806500,
        "high_cost_ceiling": 1209750,
        "limit_tier": "baseline",
        "units": 1,
        "state_code": null,
        "is_ak_hi_territory": false,
        "table_version": "FHFA-CLL-2026",
        "table_source": "FHFA 2026 Conforming Loan Limits (FHFA.gov, Nov 2025 announcement; FullCountyLoanLimitList2026.xlsx)",
        "regulatory_basis": "12 USC 1454 (Freddie Mac Charter §305); 12 USC 1717 (Fannie Mae Charter §304(b)); Housing and Economic Recovery Act 2008 §201; FHFA Annual CLL Adjustment",
        "note": "County-level limit sourced from caller (county_limit_override) when provided. Baseline and ceiling values are 2026 FHFA announcement. Verify high-cost designation against FHFA county dataset for exact limit.",
        "pii_note": "All inputs processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "76216dda64a9f6e445b37e556e00f8c7a03b4ddf08e33b6ce974a098b1838996"
    }
  ]
}