{
  "description": "Published rate assumptions used by every calculation, each with its source and the year it applies to.",
  "figures": [
    {
      "key": "fha.upfrontMipPercent",
      "value": 1.75,
      "unit": "percent",
      "asOf": "2025",
      "source": "U.S. Department of Housing and Urban Development"
    },
    {
      "key": "fha.annualMipPercent",
      "value": 0.55,
      "unit": "percent",
      "asOf": "2025",
      "source": "U.S. Department of Housing and Urban Development"
    },
    {
      "key": "va.fundingFee.firstUse.zeroDown",
      "value": 2.15,
      "unit": "percent",
      "asOf": "2025",
      "source": "U.S. Department of Veterans Affairs"
    },
    {
      "key": "va.fundingFee.subsequentUse.zeroDown",
      "value": 3.3,
      "unit": "percent",
      "asOf": "2025",
      "source": "U.S. Department of Veterans Affairs"
    },
    {
      "key": "usda.upfrontGuaranteeFeePercent",
      "value": 1,
      "unit": "percent",
      "asOf": "2025",
      "source": "U.S. Department of Agriculture Rural Development"
    },
    {
      "key": "usda.annualFeePercent",
      "value": 0.35,
      "unit": "percent",
      "asOf": "2025",
      "source": "U.S. Department of Agriculture Rural Development"
    },
    {
      "key": "conventional.pmiAnnualPercent",
      "value": 0.6,
      "unit": "percent",
      "asOf": "2025",
      "source": "Consumer Financial Protection Bureau"
    },
    {
      "key": "loanLimits.baselineConforming",
      "value": 806500,
      "unit": "usd",
      "asOf": "2025",
      "source": "Federal Housing Finance Agency"
    },
    {
      "key": "loanLimits.fhaFloor",
      "value": 524225,
      "unit": "usd",
      "asOf": "2025",
      "source": "U.S. Department of Housing and Urban Development"
    },
    {
      "key": "loanLimits.fhaCeiling",
      "value": 1209750,
      "unit": "usd",
      "asOf": "2025",
      "source": "U.S. Department of Housing and Urban Development"
    },
    {
      "key": "dti.frontEndPercent",
      "value": 28,
      "unit": "percent",
      "asOf": "2025",
      "source": "Consumer Financial Protection Bureau"
    },
    {
      "key": "dti.backEndPercent",
      "value": 36,
      "unit": "percent",
      "asOf": "2025",
      "source": "Consumer Financial Protection Bureau"
    }
  ],
  "caveat": "Loan limits and government fees are reset annually. Check the linked source before relying on a figure for a live transaction."
}