{
  "tool_id": "art-225-va-funding-fee-residual",
  "note": "Vectors derived from 38 USC 3729(a)(2) funding-fee table (table_version VA-FF-2025-01-01) + VA Pamphlet 26-7 Ch.4 residual tables (public). First-use 0-down 2.15%, subsequent 3.30%, exempt 0. golden_hash empty until golden-parity --update.",
  "vectors": [
    {
      "name": "first_use_zero_down",
      "description": "VA first-use purchase, 0% down: funding fee 2.15% of $300,000 = $6,450. Family 2, TX (South), DTI 35.",
      "policy_parameters": {
        "base_loan_amount": 300000,
        "down_payment_pct": 0,
        "loan_purpose": "purchase",
        "va_use_type": "first",
        "family_size": 2,
        "state": "TX",
        "dti_pct": 35,
        "gross_monthly_income": 6000,
        "monthly_shelter_expenses": 2000
      },
      "output_payload": {
        "funding_fee": {
          "rate_pct": 2.15,
          "amount": 6450,
          "exempt": false,
          "basis": "purchase_first_dp_tier0",
          "financed_loan_amount": 306450
        },
        "residual_income": {
          "required_monthly": 738,
          "actual_monthly": 4000,
          "margin": 3262,
          "meets_requirement": true,
          "family_size": 2,
          "region": "SO",
          "state_code": "TX"
        },
        "dti": {
          "actual_pct": 35,
          "benchmark_pct": 41,
          "ok": true,
          "residual_review_triggered": false
        },
        "table_version_funding_fee": "VA-FF-2025-01-01",
        "table_version_residual": "VA-PAMPHLET-26-7-CH4-2024",
        "table_source_funding_fee": "38 USC §3729(a)(2); VA Circular 26-25-3 (effective 2025-01-01)",
        "table_source_residual": "VA Pamphlet 26-7 Ch.4 Tables 41A/41B (2024 edition)",
        "regulatory_basis": "38 USC §§3701-3729 (VA Home Loan Program); 38 CFR Part 36; VA Pamphlet 26-7",
        "pii_note": "All inputs processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "5dc8cdcb58a88627fc261a49d194936639aad8c74a8436e56c2dc8613facaf04"
    },
    {
      "name": "subsequent_use_zero_down",
      "description": "VA subsequent-use purchase, 0% down: funding fee 3.30% of $300,000 = $9,900.",
      "policy_parameters": {
        "base_loan_amount": 300000,
        "down_payment_pct": 0,
        "loan_purpose": "purchase",
        "va_use_type": "subsequent",
        "family_size": 2,
        "state": "TX",
        "dti_pct": 35
      },
      "output_payload": {
        "funding_fee": {
          "rate_pct": 3.3,
          "amount": 9900,
          "exempt": false,
          "basis": "purchase_subsequent_dp_tier0",
          "financed_loan_amount": 309900
        },
        "residual_income": {
          "required_monthly": 738,
          "actual_monthly": 0,
          "margin": -738,
          "meets_requirement": true,
          "family_size": 2,
          "region": "SO",
          "state_code": "TX"
        },
        "dti": {
          "actual_pct": 35,
          "benchmark_pct": 41,
          "ok": true,
          "residual_review_triggered": false
        },
        "table_version_funding_fee": "VA-FF-2025-01-01",
        "table_version_residual": "VA-PAMPHLET-26-7-CH4-2024",
        "table_source_funding_fee": "38 USC §3729(a)(2); VA Circular 26-25-3 (effective 2025-01-01)",
        "table_source_residual": "VA Pamphlet 26-7 Ch.4 Tables 41A/41B (2024 edition)",
        "regulatory_basis": "38 USC §§3701-3729 (VA Home Loan Program); 38 CFR Part 36; VA Pamphlet 26-7",
        "pii_note": "All inputs processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "0d92cac56d6c22bae5b94b5837d10a243b0588edaffb29130b14fcaf8d0544d5"
    },
    {
      "name": "funding_fee_exempt",
      "description": "VA funding fee exempt (service-connected disability compensation, 38 USC 3729(c)): fee 0.",
      "policy_parameters": {
        "base_loan_amount": 300000,
        "down_payment_pct": 0,
        "loan_purpose": "purchase",
        "va_use_type": "first",
        "funding_fee_exempt": true,
        "family_size": 1,
        "state": "TX"
      },
      "output_payload": {
        "funding_fee": {
          "rate_pct": 0,
          "amount": 0,
          "exempt": true,
          "basis": "exempt",
          "financed_loan_amount": 300000
        },
        "residual_income": {
          "required_monthly": 441,
          "actual_monthly": 0,
          "margin": -441,
          "meets_requirement": true,
          "family_size": 1,
          "region": "SO",
          "state_code": "TX"
        },
        "dti": {
          "actual_pct": 0,
          "benchmark_pct": 41,
          "ok": true,
          "residual_review_triggered": false
        },
        "table_version_funding_fee": "VA-FF-2025-01-01",
        "table_version_residual": "VA-PAMPHLET-26-7-CH4-2024",
        "table_source_funding_fee": "38 USC §3729(a)(2); VA Circular 26-25-3 (effective 2025-01-01)",
        "table_source_residual": "VA Pamphlet 26-7 Ch.4 Tables 41A/41B (2024 edition)",
        "regulatory_basis": "38 USC §§3701-3729 (VA Home Loan Program); 38 CFR Part 36; VA Pamphlet 26-7",
        "pii_note": "All inputs processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "061456053cb3f58bff13190d848704dc191f3a4434df95fde7e4727a9a32d4f2"
    }
  ]
}