{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "F9EnDRXkPOm14zvQV1E0bkWMmUP9RkyCczZveW9CSjIORjkARL18R6CGALd8Lt+7B+K2dH0T3GDbcOIng1YHLgmnBWLY17q4WYCOjkQSlt/O9fKLEFKyTfypJF9ncb8fE59YhE0N2ntWm4oUVQG6rckroga/pgtS94z79btZ64sXXLuh8k2rTZp30xBUBvx+VR9aeXoLZd+B2ZgFRgUCRyUmEvTtfbzhQttvt4dVAdKQovySXsPTGslMgQtbxISREdycNfRTWE6pktk/wj1MpSP80NDXy44wrwiQa9asCA0W3atkPFf8HXToS4Ik2qKuC9DKKOdOqbGiHcp01C/gjw==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:0188afefdc40d10dd5d1058b02fdf32126f50994c6cdfc0389f7e1cf93cfe295",
    "output": {
      "annual_mip": {
        "annual_amount": 1650,
        "duration": "life_of_loan",
        "monthly_amount": 137.5,
        "rate_pct": 0.55
      },
      "dti": {
        "back_dti_ok": true,
        "back_end_actual_pct": 42,
        "back_end_guideline_pct": 43,
        "compensating_factors_needed": false,
        "front_dti_ok": true,
        "front_end_actual_pct": 30,
        "front_end_guideline_pct": 31
      },
      "fha_eligible": true,
      "fico_eligible": true,
      "ltv_eligible": true,
      "max_ltv_pct": 96.5,
      "note": "FHA MIP rates from ML 2023-05 (reduced rates effective Mar 2023). Verify current Mortgagee Letter schedule for any updates beyond 2025.",
      "pii_note": "All inputs processed locally in your browser. No data is transmitted.",
      "regulatory_basis": "12 USC 1709 (National Housing Act §203(b)); HUD Handbook 4000.1; 24 CFR Part 203",
      "table_source": "HUD Handbook 4000.1 §II.A.8.p-q; HUD Mortgagee Letter 2023-05 (effective 2023-03-20); ML 2024-01",
      "table_version": "HUD-MIP-ML2023-05-ML2024-01",
      "ufmip": {
        "amount": 5250,
        "note": "Financed into loan amount (or paid at closing)",
        "rate_pct": 1.75
      }
    }
  }
}