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Marysville sits in Yuba County where the median household income is $73,313. That income supports homes in the $350K–$450K range comfortably.
The conforming loan limit in Yuba County for 2026 is $832,750. Most Marysville purchases stay well below that ceiling. Asset depletion programs count your bank account, investment portfolio, and retirement savings as qualifying income when W-2 wages or...
620
Minimum FICO
10% minimum
Down Payment
$73,313
Yuba County Median Income
45–60 days
Underwriting Timeline
$832,750
Conforming Limit 2026
Asset Depletion Loans in Marysville
Asset depletion loans require a minimum FICO score of 620, though most lenders prefer 640+. Down payment starts at 10% for qualified borrowers.
At Yuba County's $73,313 median household income, a buyer with $200,000 in savings can qualify for roughly $450,000–$500,000 in purchasing power. The lender verifies assets through bank statements, brokerage statements, and retirement account statements.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Marysville.
Marysville sits in Yuba County where the median household income is $73,313. That income supports homes in the $350K–$450K range comfortably.
The conforming loan limit in Yuba County for 2026 is $832,750. Most Marysville purchases stay well below that ceiling. Asset depletion programs count your bank account, investment portfolio, and retirement savings as qualifying income when W-2 wages or...
Asset depletion loans require a minimum FICO score of 620, though most lenders prefer 640+. Down payment starts at 10% for qualified borrowers.
Asset depletion lending is a niche product. Most large retail banks don't offer it; portfolio lenders and credit unions dominate this space. California has a handful of specialized lenders who focus on retirees and semi-retired borrowers.
Underwriting takes 45–60 days because asset verification is thorough. Lenders pull bank statements going back 60 days and may request explanations for large deposits or withdrawals. Appraisals and title work follow standard timelines.
Asset depletion loans make sense in Marysville for retirees with strong savings but modest pensions. A buyer age 65+ with $300,000 in CDs and a $2,000/month Social Security check qualifies for a $400K+ loan.
The program doesn't work for buyers who need to preserve capital for living expenses. If your savings are your safety net, asset depletion pencils poorly.
Conventional loans require documented income — W-2s, tax returns, or pay stubs. Asset depletion loans replace that requirement with bank statements. If you're retired or between jobs, conventional won't work.
FHA loans also accept lower credit scores but require mortgage insurance for life if down payment is under 10%. Asset depletion loans at 10% down carry no mortgage insurance. Over a 30-year loan, that's a meaningful savings for buyers who qualify.
Marysville's housing market attracts retirees relocating from the Bay Area and Sacramento. Lower cost of living and proximity to the Feather River draw buyers looking to stretch retirement savings.
The news that Lone Star Funds raised $1 billion to expand lending to self-employed borrowers signals growing appetite for non-traditional income qualification. Asset depletion sits in that same lane — it serves borrowers traditional lenders overlook.
No. Asset depletion loans don't require W-2s, tax returns, or employment verification. Your bank statements and investment accounts become your qualifying income.
Savings accounts, money market accounts, CDs, stocks, bonds, and brokerage accounts all count at 100%. Retirement accounts (401k, IRA, Roth IRA) count at 80% of their stated value. Real estate, vehicles, and personal property don't count.
Yes, but at 80% of the account value. A $100,000 IRA counts as $80,000 in qualifying assets. Lenders apply the 80% haircut because withdrawals trigger taxes and penalties.
10% down is the standard minimum. Some lenders go as low as 5% for borrowers with exceptional asset reserves. At 10% down on a $400,000 purchase, you'd put $40,000 down. The remaining $360,000 is financed.
45–60 days from application to clear-to-close. Asset verification takes longer than standard income verification. Lenders pull 60 days of bank statements and may ask for explanations of large deposits.