Question 1

What assets count for asset depletion loans?

Accepted Answer

Cash, stocks, bonds, mutual funds, and verified cryptocurrency holdings qualify. Retirement accounts work if accessible. Real estate equity and business ownership don't count.

Question 2

How much do I need in assets to qualify?

Accepted Answer

After your down payment, you need enough assets to generate sufficient monthly income when divided by the loan term. A $400K loan over 20 years needs roughly $1.6M in qualifying assets post-closing.

Question 3

Can I use my 401(k) for asset depletion?

Accepted Answer

Yes, if you're age 59½ or older and can access funds without penalties. Lenders discount the balance for taxes—typically counting 70% of the total value.

Question 4

Do asset depletion loans have higher rates?

Accepted Answer

Rates run 1-2% above conventional loans as of February 2026. Stronger credit and larger down payments reduce pricing. Rates vary by borrower profile and market conditions.

Question 5

How long does underwriting take for asset depletion loans?

Accepted Answer

Expect 30-45 days from application to closing. Asset verification takes longer than income docs. Crypto holdings add extra review time for blockchain validation.

Question 6

Can I combine asset depletion with other income sources?

Accepted Answer

Yes. Lenders stack asset depletion income with Social Security, pensions, or rental income. This often gets you approved when one source alone falls short.

Asset Depletion Loans in Lemoore: Qualify Using Your Investment Portfolio