{
  "tool_id": "art-225-va-funding-fee-residual",
  "kernel_id": "art-225-va-funding-fee-residual",
  "display_name": "VA Funding Fee and Residual Income",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "VA home loan funding fee (38 USC §3729) and residual income qualification. Funding fee table: first vs subsequent use, down-payment tiers (0%/5-9.99%/10%+), exemptions for service-connected disability/surviving spouse/Purple Heart. IRRRL: 0.50%. Residual income: VA Pamphlet 26-7 Ch.4 Tables 41A/41B by region (Northeast/Midwest/South/West) and family size; $80 per member above five. DTI benchmark: 41% (triggers residual income review when exceeded). Table versions: VA-FF-2025-01-01 (VA Circular 26-25-3); VA-PAMPHLET-26-7-CH4-2024.",
  "control_description": "VA home loan funding fee (38 USC §3729) and residual income qualification. Funding fee table: first vs subsequent use, down-payment tiers (0%/5-9.99%/10%+), exemptions for service-connected disability/surviving spouse/Purple Heart. IRRRL: 0.50%. Residual income: VA Pamphlet 26-7 Ch.4 Tables 41A/41B by region (Northeast/Midwest/South/West) and family size; $80 per member above five. DTI benchmark: 41% (triggers residual income review when exceeded). Table versions: VA-FF-2025-01-01 (VA Circular 26-25-3); VA-PAMPHLET-26-7-CH4-2024.",
  "declared_inputs": [],
  "declared_outputs": [],
  "kernel_digest": "sha256:0a2c6c768159e004a4be516f27462520d1e1459d4323169d1530a336a0172053",
  "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-225-va-funding-fee-residual.html",
  "generated_at": "2026-08-15T11:12:17.704Z"
}