How is asset depletion income calculated?

Eligible assets, after any required discount and down payment and reserves, are divided by a set number of months to create a monthly qualifying income. The divisor varies by lender and program.

Do I have to withdraw my money?

No. Assets are used to calculate qualifying income; you generally don't have to withdraw them.

Can I combine asset income with other income?

Often yes, such as Social Security, pension or part-time income.

Do retirement accounts count?

Usually, but lenders may only count a percentage of the balance to account for taxes and penalties.

Is this only for retirees?

No. It works for anyone with substantial verified assets whose documented income doesn't reflect their ability to pay.

Loan Programs

Asset Depletion in California

Turn verified savings, investments and retirement assets into qualifying income. Ideal for retirees and high-net-worth borrowers.

Get Pre-Approved Call (530) 414-8050

Who It's For

Is Asset Depletion a fit for you?

Retirees with significant savings
High-net-worth borrowers with irregular income
Recently retired or between jobs
Borrowers living on investment returns
Anyone asset-rich but income-light on paper

Assets Become Income

A portion of eligible assets is converted into a monthly income figure.

No Employment Required

Qualify without a paycheck or traditional employment history.

Keep Your Investments

Assets are used to qualify; you don't have to liquidate them.

Many Property Types

Primary residences, second homes and investment properties (varies by lender).

How It Works

The Asset Depletion Process

Review assets

We list checking, savings, brokerage and retirement accounts.

Calculate income

Eligible assets (sometimes discounted) are divided over a set number of months.

Combine income

Asset income can often be added to Social Security or pension income.

Pre-approval & underwriting

Statements are verified and the file underwritten.

Close

Sign and fund.

Typical Guidelines

General Guidelines

General information only. Actual requirements vary by lender and scenario.

Eligible assets	Cash, brokerage, retirement (varies by lender)
Asset discount	Retirement and investment accounts may be discounted; varies by lender
Depletion period	Varies by lender and program
Down payment	Varies by lender
Credit score	Varies by lender
Program type	Conventional and non-QM versions exist

Live Market

Today's Rates

Rates shown are for informational purposes, change daily, and are not a commitment to lend. Your rate depends on credit, loan amount, property and other factors.

Run the Numbers

Mortgage Payment Calculator

Home Price$400,000

Home price ($)

Down Payment (20.0%)$80,000

Down payment ($)

Interest Rate6.500%

Interest rate (%)

Loan Term30 Years

Property Tax (Yearly)

1.25% is a planning assumption, not a property-specific quote.

Homeowners Insurance (Yearly)

HOA Dues (Monthly)

Financed Upfront Fee

Enter any financed funding, guarantee or upfront insurance fee.

Estimated Monthly Payment

$2,689

Including taxes & insurance · $2,023 principal & interest

Payment Breakdown

Principal & Interest: $2,023
Property Taxes: $417
Homeowners Insurance: $250
HOA Dues: $0
PMI: $0

Loan Summary

Base Loan Amount: $320,000
Financed Upfront Fee: $0
Total Financed: $320,000
Loan-to-Value: 80.0%
Total Interest (P&I): $408,142

Estimates only, not a loan offer or commitment to lend. Rates, taxes and insurance are editable planning assumptions. Program selection is not an eligibility determination. Mortgage insurance and upfront fees vary by program and lender; enter your quoted amounts. Actual payments may differ. VA loans have no monthly mortgage insurance.

Talk to Bill about your numbers

FAQ

Asset Depletion FAQ

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