{
  "tool_id": "art-224-fha-mip-eligibility",
  "kernel_id": "art-224-fha-mip-eligibility",
  "display_name": "FHA MIP Eligibility Calculator",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "FHA mortgage insurance premium (MIP) eligibility and cost calculator per HUD Handbook 4000.1. UFMIP: 1.75% of base loan. Annual MIP grid (0.15%-0.75%) by base loan amount vs $726,200 threshold, LTV, and term. MIP duration: 11 years when original LTV at or below 90%; life-of-loan when above 90%. Qualifying ratios: 31% front-end / 43% back-end (compensating factors to 40%/57%). Credit score floors: 580 for 96.5% LTV; 500-579 for 90% max. Table version: HUD-MIP-ML2023-05-ML2024-01 (HUD Mortgagee Letter 2023-05, effective 2023-03-20).",
  "control_description": "FHA mortgage insurance premium (MIP) eligibility and cost calculator per HUD Handbook 4000.1. UFMIP: 1.75% of base loan. Annual MIP grid (0.15%-0.75%) by base loan amount vs $726,200 threshold, LTV, and term. MIP duration: 11 years when original LTV at or below 90%; life-of-loan when above 90%. Qualifying ratios: 31% front-end / 43% back-end (compensating factors to 40%/57%). Credit score floors: 580 for 96.5% LTV; 500-579 for 90% max. Table version: HUD-MIP-ML2023-05-ML2024-01 (HUD Mortgagee Letter 2023-05, effective 2023-03-20).",
  "declared_inputs": [],
  "declared_outputs": [],
  "kernel_digest": "sha256:0188afefdc40d10dd5d1058b02fdf32126f50994c6cdfc0389f7e1cf93cfe295",
  "trust_label": "independently verified: zkVM execution proof (risc0/groth16-bn254)",
  "data_vintage": "2026-07-10",
  "last_validated": "2026-07-10",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 38,
  "source_url": "https://ainumbers.co/chaingraph/art-224-fha-mip-eligibility.html",
  "generated_at": "2026-08-15T11:12:17.704Z"
}