{
    "annual_income": 75000,
    "gross_monthly_income": 6250,
    "monthly_housing": 1800,
    "monthly_debts": 500,
    "front_end_dti": 28.8,
    "back_end_dti": 36.8,
    "remaining_income": 3950,
    "total_obligations": 2300,
    "programs": {
        "conventional": {
            "name": "Conventional",
            "front_limit": 28,
            "back_limit": 36,
            "front_qualifies": false,
            "back_qualifies": false,
            "qualifies": false,
            "status": "Exceeds limit"
        },
        "fha": {
            "name": "FHA",
            "front_limit": 31,
            "back_limit": 43,
            "front_qualifies": true,
            "back_qualifies": true,
            "qualifies": true,
            "status": "Borderline"
        },
        "va": {
            "name": "VA",
            "front_limit": null,
            "back_limit": 41,
            "front_qualifies": true,
            "back_qualifies": true,
            "qualifies": true,
            "status": "Qualifies"
        },
        "usda": {
            "name": "USDA",
            "front_limit": 29,
            "back_limit": 41,
            "front_qualifies": true,
            "back_qualifies": true,
            "qualifies": true,
            "status": "Borderline"
        }
    }
}