AdaptLend → Guides → Asset depletion calculator
Asset Depletion Calculator
Brokerage and retirement balances are discounted (commonly ~70–80%) to allow for market swings; we use 75% here. Exact rules vary by lender.
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What this number means
Asset depletion lenders divide your eligible post-down-payment assets across a schedule (often 360 months) and treat the result as monthly income — on paper only. You never have to actually withdraw on that schedule; it's purely how the file qualifies. This paper income stacks on top of Social Security, pension, or any other income you already receive.
How the programs work, which assets count, and the honest costs — all in the asset-based loan guide.