{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "D4Qh/vnDzY7EkWwcqP+6UQFW8xqufh25w7fk7CdZekUgSTj7xvPVESUAQqT1q6thFqseNdfto4GSXJ7y6F+asx2+RbII76vqlUkAlTefoF8uQ34sPVzlgxzKsIIm6pZdLlBN5G4+mRbtxbxgAj+iH0sgk3O3x19VEdB3tedaXxsZwiz+xNuMsOcymLi9KbUyKeDxTu7hUrjU30K05oUgcRkxrUjRXC0wdBawwOr9mM8fheZOmebNsZpuBCOQkZZ4IuqMi5BmDg9YbB+k/2fk/+O6OFv26pj3Stm+lIEho10arVRynqisa/hvDoJOLSxaVvEbKm1VwAnmXcfK/rvmUA==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:1974e5147a75759c71c8deb05d10e26b2803fb3ce6c5947cabd998c089cf0e49",
    "output": {
      "checks": [
        {
          "actual": 740,
          "check": "fico_minimum",
          "note": null,
          "pass": true,
          "required": 620
        },
        {
          "actual": 80,
          "check": "ltv",
          "pass": true,
          "required_max": 97
        },
        {
          "actual": 80,
          "check": "cltv",
          "pass": true,
          "required_max": 105
        },
        {
          "actual": 80,
          "check": "hcltv",
          "pass": true,
          "required_max": 105
        },
        {
          "actual": 40,
          "check": "dti_total",
          "pass": true,
          "required_max": 50,
          "underwriting": "du"
        }
      ],
      "eligible": true,
      "eligible_flag": "ELIGIBLE",
      "fails": [],
      "max_cltv_pct": 105,
      "max_dti_pct": 50,
      "max_hcltv_pct": 105,
      "max_ltv_pct": 97,
      "pii_note": "All inputs processed locally in your browser. No data is transmitted.",
      "product_notes": [],
      "regulatory_basis": "12 USC 4501 (FHFA); Fannie Mae Selling Guide; Freddie Mac Single-Family Guide; DU v11.1+",
      "table_source": "Fannie Mae Selling Guide B3-2-01/B3-3.1-09 (DU); Freddie Mac Guide Ch.5100 (LPA); effective 2026-01-01",
      "table_version": "FNM-LPA-ELIGIBILITY-2026-01-01",
      "underwriting_type": "du"
    }
  }
}