Asset-Qualifying Mortgage
An asset depletion program that calculates qualifying income by dividing eligible liquid assets by 60 months, with no disbursement plans or minimum age requirements.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- asset-depletion
- States
- most states
Highlights
- •Checking, savings, and money market accounts count at 100% allowance
- •Investment accounts count at 90% allowance
- •Retirement accounts count at 80% allowance
- •No disbursement plans needed
- •No minimum age requirements
- •Combine multiple accounts for qualification
- •Can be used as a standalone program or to boost qualifying income
- •Can be used as a standalone program or to boost qualification
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 5/10/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.250%
6.288% APR
FHA
5.750%
5.780% APR
VA
5.750%
5.780% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.