Asset Depletion Calculator
60-month (5-year) asset qualifier and comparison across all common divisors
Convert your liquid assets into an estimated monthly qualifying income and an approximate maximum loan amount. Compare 60, 120, 180, 240, and 360-month divisors side by side. Estimates only
Your Assets
Checking, savings, money market, CDs. Counted at 100%.
Non-retirement stocks, bonds, mutual funds, ETFs. Counted at 100%.
Counted at 100% if age 59.5+, otherwise 70% by default (early-withdrawal discount).
Controls the retirement-account multiplier. 59.5 is the threshold for penalty-free withdrawal.
We work with lenders that allow the most permissive published divisor where the borrower profile fits.
Default 43%. Used to convert qualifying income to an approximate housing budget.
For illustration only. Used to back-calculate an approximate max loan amount at a 30-year term. Not a rate offer.
Your Results
Estimated Monthly Qualifying Income from Assets
$45,833
per month at the 60-month divisor
Approximate Max Loan Amount
$2,962,312
at 43% DTI, 7.000% rate, 30-year term
Breakdown
Comparison Across All Divisors
Same asset pool, five different lender divisors. Same DTI and rate assumptions.
| Divisor | Label | Monthly Qualifying Income | Approx Max Loan |
|---|---|---|---|
| 60 months | Most permissive (5-year) | $45,833 | $2.96M |
| 120 months | 10-year | $22,917 | $1.48M |
| 180 months | 15-year | $15,278 | $987K |
| 240 months | 20-year | $11,458 | $741K |
| 360 months | Most conservative (30-year) | $7,639 | $494K |
The 60-month divisor is the most permissive published divisor we see in the non-QM market. Not every borrower profile fits a 60-month program. Our team works with lenders that allow it where the file qualifies.
Want us to model your specific scenario?
Optional. Your results are already shown above. If you would like our team to run the full analysis on your numbers and identify the program that fits, send your contact info and we will reach out within one business day.