Asset Depletion Loans (Asset Utilization Loans)

An Asset Depletion Loan—also called an Asset Utilization Loan—allows you to qualify for a mortgage based on your liquid assets, not your employment or taxable income.


This program is ideal for borrowers with substantial savings, investments or retirement accounts who prefer not to document traditional income.

When an Asset Depletion Loan Makes Sense

You may be a strong candidate if:

  • You have significant assets in checking, savings, investment, or retirement accounts.

  • You prefer not to disclose employment history or don’t have traditional earned income.

  • Your assets are held in one or multiple accounts.

  • Your funds have been seasoned for at least two months.

  • You have 20% down payment or 20% equity.

  • Your FICO® score is at least 620.

  • You need a loan up to $2,500,000.

How Asset Depletion Income Is Calculated

Instead of using tax returns or W-2s, the lender converts your verified assets into “monthly qualifying income” using standard percentages and formulas.

Typical Asset Calculation Percentages

  • Cash Accounts (checking/savings): counted at 100%

  • Investment/Securities Accounts: counted at 80%

  • Retirement Accounts: counted at 70% (higher if age-qualified for withdrawal)

Lenders divide the usable assets by a calculated period to determine your monthly qualifying income. For many of our loans it's just 60 months.

❗Asset utilization loans can also be used in conjunction with other types of loans such as Bank Statement or P&L if more income is needed.

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