{
  "type": "ZkVmReceipt",
  "system": "risc0",
  "receiptFormat": "groth16-bn254",
  "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
  "seal": "AH/0eycffPuWRNJGhc11AjmK7FSsAKznGXysG1Ovv3cmckEiUbdNgy/9OtiMCLjcfcNJvgI4GHwjyuhYGn84qAA25bDGjuNB0hutjkU+55zIQRW1R19hlOPIeZVM1/o8AH5zlcoNbmRHL42NC/t5L1vpfnZ0ZwL7bw/+0iebenoFaFLkyK9hSSNijXy5fyJWaZQOZ6jP/i3CBZK9texbCQhmdjJ7Fj8H+t1G/rmRI52ewQbEmzdo8+DVfwhLqsSmHCpW+g6D+/buphV+OOIgibcaWnf9Ty/l5zz7oC5fXHUQXHUvZLHSKgNPegCv6VLqIzYlGzrXvczkbqVjzY1nCQ==",
  "journal": {
    "chaingraph_version": "0.4.0",
    "kernel_digest": "sha256:0a2c6c768159e004a4be516f27462520d1e1459d4323169d1530a336a0172053",
    "output": {
      "dti": {
        "actual_pct": 35,
        "benchmark_pct": 41,
        "ok": true,
        "residual_review_triggered": false
      },
      "funding_fee": {
        "amount": 6450,
        "basis": "purchase_first_dp_tier0",
        "exempt": false,
        "financed_loan_amount": 306450,
        "rate_pct": 2.15
      },
      "pii_note": "All inputs processed locally in your browser. No data is transmitted.",
      "regulatory_basis": "38 USC §§3701-3729 (VA Home Loan Program); 38 CFR Part 36; VA Pamphlet 26-7",
      "residual_income": {
        "actual_monthly": 4000,
        "family_size": 2,
        "margin": 3262,
        "meets_requirement": true,
        "region": "SO",
        "required_monthly": 738,
        "state_code": "TX"
      },
      "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)",
      "table_version_funding_fee": "VA-FF-2025-01-01",
      "table_version_residual": "VA-PAMPHLET-26-7-CH4-2024"
    }
  }
}