{"id":8637,"date":"2026-10-22T09:54:29","date_gmt":"2026-10-22T14:54:29","guid":{"rendered":"https:\/\/tomo.com\/blog\/?p=8637"},"modified":"2026-10-22T09:54:34","modified_gmt":"2026-10-22T14:54:34","slug":"asset-depletion-mortgage-how-to-qualify-using-savings-and-investments","status":"publish","type":"post","link":"https:\/\/tomo.com\/blog\/asset-depletion-mortgage-how-to-qualify-using-savings-and-investments\/","title":{"rendered":"Asset Depletion Mortgage: How to Qualify Using Savings and Investments"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Key takeaways<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An asset depletion mortgage lets you use eligible savings and investments as qualifying income, even without a regular paycheck. You generally don&#8217;t need to withdraw the money.<\/li>\n\n\n\n<li>Lenders divide eligible assets by a set number of months to calculate monthly income. Fannie Mae uses your loan term; Freddie Mac currently uses 240 months.<\/li>\n\n\n\n<li>Fannie Mae primarily counts eligible employment-related assets, including retirement accounts. Freddie Mac can also count certain savings and brokerage accounts.<\/li>\n\n\n\n<li>Freddie Mac&#8217;s updated rules use a 180-month calculation and expand eligibility. They become mandatory for loans settling on or after February 3, 2027, though lenders can adopt them earlier.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is an asset depletion mortgage?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">An asset depletion mortgage lets you qualify for a home loan using savings, retirement accounts or investments instead of relying entirely on employment income. It can be useful if you&#8217;re retired, recently sold a business or have significant investments but relatively little traditional income.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Despite the name, you don&#8217;t necessarily have to spend your savings. Instead, the lender calculates how much monthly income your eligible assets could theoretically support.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>For example:<\/strong> Someone with substantial retirement savings but no employment income might still qualify for a mortgage. Whether they do depends on which assets count, their existing debts and the loan program&#8217;s requirements.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Some conventional mortgages allow asset depletion under Fannie Mae or Freddie Mac guidelines. Other lenders offer specialized non-qualified mortgage (non-QM) programs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How does an asset depletion mortgage work?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">The lender follows three basic steps:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Identify eligible assets.<\/strong> These might include retirement savings, bank accounts or investments, depending on the program.<\/li>\n\n\n\n<li><strong>Subtract required amounts.<\/strong> Funds needed for closing, required reserves or applicable withdrawal penalties may be excluded.<\/li>\n\n\n\n<li><strong>Calculate monthly income.<\/strong> The remaining eligible assets are divided by the program&#8217;s required number of months.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">The formula is: <strong>Monthly qualifying income = Net eligible assets \u00f7 Program&#8217;s divisor<\/strong><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">The result can be combined with other qualifying income when the lender reviews your debt-to-income ratio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Example: How much income could $800,000 produce?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Suppose you have $800,000 in eligible assets after the deductions required by each program.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Program<\/strong><\/td><td><strong>Calculation<\/strong><\/td><td><strong>Monthly qualifying income<\/strong><\/td><\/tr><tr><td>Fannie Mae<\/td><td>$800,000 \u00f7 months in your loan term<\/td><td>Depends on loan term<\/td><\/tr><tr><td>Freddie Mac, current rules<\/td><td>$800,000 \u00f7 240<\/td><td>$3,333<\/td><\/tr><tr><td>Freddie Mac, updated 2027 rules<\/td><td>$800,000 \u00f7 180<\/td><td>$4,444<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">The example holds the net eligible balance constant to show how the calculation differs. Actual deductions and qualifying assets may vary.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Sources: <a href=\"https:\/\/selling-guide.fanniemae.com\/sel\/b3-3.4-06\/employment-related-assets-qualifying-income\">Fannie Mae Selling Guide<\/a> and <a href=\"https:\/\/guide.freddiemac.com\/app\/guide\/section\/5307.1\/02-03-2027\">Freddie Mac Guide<\/a>.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Important:<\/strong> This is qualifying income, not money the lender pays you each month. It doesn&#8217;t guarantee mortgage approval.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\">Get Started<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Which assets qualify for an asset depletion mortgage?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">The biggest difference between programs is which assets lenders can count.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Asset type<\/strong><\/td><td><strong>Fannie Mae<\/strong><\/td><td><strong>Freddie Mac<\/strong><\/td><\/tr><tr><td>401(k), IRA and similar retirement accounts<\/td><td>Eligible if you have unrestricted access to the full balance, subject to other requirements<\/td><td>Eligible if fully vested, solely owned and accessible without penalty<\/td><\/tr><tr><td>Checking and savings accounts<\/td><td>Generally excluded, with exceptions for eligible employment-related proceeds<\/td><td>May qualify; current rules generally require an account owner to be 62 or older<\/td><\/tr><tr><td>Stocks, bonds and mutual funds<\/td><td>May count when held in an eligible retirement account; taxable brokerage accounts generally don&#8217;t qualify<\/td><td>May qualify; current rules generally require an account owner to be 62 or older<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Fannie Mae focuses on <strong>employment-related assets<\/strong>. For example, investments held inside an eligible IRA may count even when the same investments in an ordinary brokerage account wouldn&#8217;t.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Freddie Mac allows a broader range of assets under certain conditions. Its upcoming rule changes expand these options further.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">For complete eligibility requirements, see <a href=\"https:\/\/selling-guide.fanniemae.com\/sel\/b3-3.4-06\/employment-related-assets-qualifying-income\">Fannie Mae&#8217;s asset-income guidelines<\/a> and <a href=\"https:\/\/guide.freddiemac.com\/app\/guide\/section\/5307.1\">Freddie Mac&#8217;s accumulated-assets guidelines<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What if withdrawing your retirement funds would trigger a penalty?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Withdrawal penalties can affect how much income your retirement savings produce.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Fannie Mae may count an eligible retirement account even if withdrawing the funds would trigger a penalty. However, that penalty is subtracted when calculating qualifying income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Freddie Mac generally requires retirement assets to be accessible without penalty.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">According to the <a href=\"https:\/\/www.irs.gov\/taxtopics\/tc558\">IRS<\/a>, most taxable retirement withdrawals before age 59\u00bd incur an additional 10% federal tax, although exceptions exist.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">For example, certain employer retirement plan distributions may qualify for an exception when an employee separates from service during or after the year they turn 55. This exception generally doesn&#8217;t apply to IRAs. Check your plan&#8217;s withdrawal terms before assuming your retirement savings qualify.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What are the requirements for an asset depletion mortgage?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Having substantial assets is only part of qualifying. Lenders also review your credit, existing debts, property and ability to access the funds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">For conventional mortgages, the main requirements include:<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Loan-to-value ratio (LTV):<\/strong> Fannie Mae generally limits loans using employment-related assets as income to 70% LTV, increasing to 80% when its age-62 and ownership conditions are met. Freddie Mac&#8217;s current asset-income rules generally impose an 80% maximum LTV.<\/li>\n\n\n\n<li><strong>Loan purpose:<\/strong> Both agencies allow home purchases and certain refinances that don&#8217;t take cash out. Their asset-income rules don&#8217;t cover cash-out refinances.<\/li>\n\n\n\n<li><strong>Property type:<\/strong> Fannie Mae allows primary residences and second homes. Freddie Mac&#8217;s updated rules also permit investment properties.<\/li>\n\n\n\n<li><strong>Credit and debt:<\/strong> Your qualifying income must support your existing debt obligations and proposed mortgage payment. Other underwriting requirements still apply.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Individual lenders may impose stricter requirements or choose not to offer asset depletion at all.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Fannie Mae vs. Freddie Mac vs. non-QM: Which is better?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">The right option depends largely on where your assets are held and the type of mortgage you need.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Fannie Mae may be a fit<\/strong> if most of your savings are in eligible retirement accounts and you meet its other lending requirements.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Freddie Mac may be a fit<\/strong> if you have qualifying retirement savings, cash or brokerage investments. Its asset eligibility rules differ from Fannie Mae&#8217;s.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Non-QM mortgages may be worth exploring<\/strong> if your assets don&#8217;t qualify under agency guidelines, you need a loan above conforming limits or you want a transaction the agency rules don&#8217;t permit.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Non-QM lenders establish their own asset requirements and income calculations. That means eligibility and costs can vary significantly between programs.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">When comparing offers, review both the interest rate and the annual percentage rate (APR), which incorporates certain borrowing costs. The <a href=\"https:\/\/www.consumerfinance.gov\/owning-a-home\/compare\/compare-loan-estimates\/\">CFPB&#8217;s Loan Estimate comparison guide<\/a> explains what to look for.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What changes under Freddie Mac&#8217;s 2027 rules?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Freddie Mac announced updated asset qualification requirements in August 2026. Lenders may implement them early, but they become mandatory for loans settling on or after <strong>February 3, 2027<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">The <a href=\"https:\/\/guide.freddiemac.com\/app\/guide\/section\/5307.1\/02-03-2027\" title=\"\">main changes<\/a> include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dividing net eligible assets by 180 months instead of 240.<\/li>\n\n\n\n<li>Removing the age-62 restriction on qualifying bank and brokerage accounts.<\/li>\n\n\n\n<li>Allowing investment properties and removing the special 80% LTV restriction.<\/li>\n\n\n\n<li>Requiring a minimum of $30,000 in net eligible assets and an acceptable automated underwriting result.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Bank and brokerage accounts also face new documentation requirements, including a general 12-month account-history requirement and restrictions concerning significant balance changes. The updated calculation deducts borrower-required reserves when determining net eligible assets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to apply for an asset depletion mortgage<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Start by asking whether your lender offers asset-based qualification and which programs it uses. A loan officer can review your accounts, identify eligible assets and calculate how much monthly qualifying income they produce.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Documents you&#8217;ll need<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Expect to provide:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Account statements:<\/strong> Recent statements for retirement, savings and investment accounts.<\/li>\n\n\n\n<li><strong>Withdrawal terms:<\/strong> Documents showing whether retirement funds are vested and accessible.<\/li>\n\n\n\n<li><strong>Transfer records:<\/strong> Documentation explaining significant deposits or account transfers.<\/li>\n\n\n\n<li><strong>Other financial information:<\/strong> Details about your existing debts, other income and funds needed for closing.<br><\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Documentation requirements vary by program. See <a href=\"https:\/\/tomo.com\/blog\/online-mortgage-documents\/\">what documents you need for a mortgage application<\/a> for a broader checklist.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Three questions to ask your lender<\/strong><\/h3>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Before applying, ask:<br><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Do you offer asset depletion under Fannie Mae, Freddie Mac or a non-QM program?<\/li>\n\n\n\n<li>Which accounts would qualify, and how much monthly income could they produce?<\/li>\n\n\n\n<li>What additional funds would I need for closing or reserves?<\/li>\n<\/ol>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">If you&#8217;re still comparing borrowing options, understanding the difference between <a href=\"https:\/\/tomo.com\/blog\/prequalification-vs-preapproval\/\">prequalification and preapproval<\/a> can help you decide your next step.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What if asset depletion doesn&#8217;t work for you?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">You may have other ways to qualify using income connected to your savings or investments:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Retirement distributions:<\/strong> Regular IRA, 401(k) or pension payments may qualify under separate retirement-income rules.<\/li>\n\n\n\n<li><strong>Interest and dividends:<\/strong> Eligible investment income may count separately if it meets the lender&#8217;s requirements.<\/li>\n\n\n\n<li><strong>Self-employment income:<\/strong> If you have business or contract income, a lender may be able to use it instead. Learn <a href=\"https:\/\/tomo.com\/blog\/qualifying-for-a-mortgage-on-1099-income-how-lenders-actually-calculate-it\/\">how lenders calculate 1099 income<\/a> or explore <a href=\"https:\/\/tomo.com\/blog\/self-employed-mortgage-online\/\">self-employed mortgage qualification<\/a>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">You may also qualify using a combination of income sources rather than relying entirely on assets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\">Start your preapproval process<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Tomo Mortgage, NMLS ID <a href=\"https:\/\/www.nmlsconsumeraccess.org\/EntityDetails.aspx\/COMPANY\/2059741\" title=\"\">2059741<\/a>. Equal Housing Lender.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Frequently asked questions<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Can I get an asset depletion mortgage without a job?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Yes. Some programs let you qualify using eligible savings or investments instead of employment income. You must still satisfy the lender&#8217;s other requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How does Fannie Mae calculate asset depletion income?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Fannie Mae subtracts applicable withdrawal penalties, closing funds and required reserves from eligible employment-related assets. It then divides the remaining balance by the number of months in the loan term.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What does Freddie Mac require for asset depletion?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Freddie Mac requires eligible, documented assets that meet its ownership and accessibility rules. Its current calculation divides net eligible assets by 240 months. Updated rules use 180 months and expand asset eligibility.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Do I have to withdraw my investments to qualify?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Generally, no. Asset depletion calculates theoretical qualifying income rather than requiring scheduled withdrawals. Funds used for closing are a separate consideration.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Can I combine asset depletion with Social Security or pension income?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Yes, if those income sources meet the lender&#8217;s requirements. However, restrictions may prevent the same retirement assets from being counted twice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Can I use asset depletion for a cash-out refinance?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Not under the Fannie Mae or Freddie Mac asset-income rules discussed here. Certain non-QM lenders may offer alternatives, subject to their own requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways What is an asset depletion mortgage? An asset depletion mortgage lets you qualify for a home loan using savings, retirement accounts or investments instead of relying entirely on employment income. It can be useful if you&#8217;re retired, recently sold a business or have significant investments but relatively little traditional income. Despite the name, [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":8640,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"fifu_image_url":"","fifu_image_alt":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[1],"tags":[],"class_list":["post-8637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Learn how asset depletion mortgages work, which savings and investments qualify, and how Fannie Mae and Freddie Mac calculate income.\" \/>\n\t<meta name=\"robots\" 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