Plan with clarity
Turn an eligible-asset scenario into a monthly income estimate. Compare valuation factors, closing-fund deductions and depletion periods before a mortgage review.
Starting values are examples, not current rates or lending terms.
No sign-up required. Calculations run in your browser. Saved scenarios last only while this page stays open.
Understand the numbers
Change an assumption above to see what moves the result. Save a scenario to compare it with your next calculation.
Put the estimate to work
Start with assets you own and can access. Cash, marketable investments and retirement accounts may receive different treatment. Set the valuation factors in More assumptions and costs, then enter amounts committed to closing, excluded reserves and additional penalties. This model applies the factors first and subtracts those deductions afterward. Confirm the lender’s calculation sequence.
The selected period converts the remaining eligible balance into monthly income for this scenario. The comparison table shows how the same assets produce different results over different periods. These are mathematical examples, not a list of available loan programs. Asset depletion does not mean the account must earn that monthly amount or that you must withdraw exactly that amount.
The DTI estimate includes other eligible income, other debts and the complete housing payment. Include taxes, insurance, association dues and applicable mortgage insurance. A lender still reviews credit, property, ownership, access, documentation and program fit. The existing asset depletion article explains these considerations without treating conventional and non-QM rules as interchangeable.
Monthly asset income = max(0, assets after valuation factors − closing funds − excluded reserves − additional deductions) ÷ depletion months.
A simple example. If adjusted assets are $1,200,000 and total deductions are $300,000, $900,000 remains. A 120-month divisor produces $7,500 per month; a 360-month divisor produces $2,500.
Sources: Fannie Mae: employment-related assets as qualifying income. Calculation model reviewed September 8, 2026. Examples are hypothetical.
Common questions
Use the estimate to prepare your questions, then review the property, documentation and financing terms with a mortgage broker.
Asset depletion mortgage guide · Jumbo mortgage options
Schedule a consultationNo. It is a flexible planning model. Fannie Mae’s employment-related asset guidance has its own eligibility and calculation requirements; other agency and non-QM methods can differ. Enter confirmed assumptions for the program under review.
Not necessarily. Ownership, access, vesting, liquidity, penalties and program rules can change the accepted amount. The calculator cannot verify account eligibility.
Funds committed to the transaction or excluded under the selected program may not be available for the income calculation. Apply deductions once and confirm whether the program requires a reserve deduction.
No. The result is a planning figure. The lender determines qualifying income, the acceptable DTI, documentation and borrower and property eligibility.
Learn how an asset depletion mortgage converts eligible assets into qualifying income. Compare documentation, deductions and conventional versus non-QM approaches.
Read guide
Florida asset based mortgages for high net worth borrowers. 60-month asset depletion method. No income docs required. Bennett Capital Partners 1-800-457-9057
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