Calculation Results
Review required
Mortgage ratios
| LTV | 0.00% |
|---|---|
| TLTV | 0.00% |
| HTLTV | 0.00% |
| User target DTI | 0.00% |
| Guide divisor | 240 months |
Deductions summary
| Funds required to close | US$0.00 |
|---|---|
| Gift and borrowed funds | US$0.00 |
| Pledged or encumbered | US$0.00 |
| Unsourced large deposits | US$0.00 |
| Other exclusions | US$0.00 |
Asset-by-asset analysis
| # | Asset | Type | Documented | Ownership | Deductions | Eligible | Status | Reason |
|---|
Eligibility warnings
Documentation still required
Calculation steps
Calculation timestamp: . Guide basis: Section 5307.1, effective April 1, 2026.
Formula Used
Net eligible assets = eligible documented assets − closing funds − gifts − borrowed funds − pledged or encumbered amounts.
Monthly qualifying asset amount = net eligible assets ÷ 240.
Mortgage ratios use the property value entered. DTI combines monthly housing and applicable obligations. The target DTI remains a user comparison only.
How to Use This Calculator
- Enter the property, transaction, loan, and ratio details.
- Add every borrower and relevant account owner.
- Add each asset account as a separate record.
- Complete ownership, access, age, and document checks.
- Enter all required closing deductions and monthly obligations.
- Select available documents, then calculate the worksheet.
- Review failed checks before relying on any result.
Example Data
| Input | Example | Purpose |
|---|---|---|
| Eligible retirement assets | US$900,000 | Documented, vested, accessible, and unused for income. |
| Depository assets | US$180,000 | Owned by eligible borrowers and properly documented. |
| Funds required to close | US$120,000 | Deducted before applying the 240 divisor. |
| Net eligible assets | US$960,000 | Remaining amount after required deductions. |
| Monthly qualifying amount | US$4,000 | Net eligible assets divided by 240. |
Frequently Asked Questions
Does this calculator approve a Freddie Mac mortgage?
No. It only estimates asset qualification and related ratios.
Why does the calculator divide assets by 240?
Section 5307.1 uses 240 for the qualifying asset amount.
Are retirement assets subject to an age minimum?
The age-62 test applies to depository accounts and securities.
Can cryptocurrency qualify as an eligible asset?
No. Cryptocurrency is excluded from net eligible assets.
Can jointly owned accounts be used?
They require eligible ownership by borrowers or property title holders.
Are gift funds included in the calculation?
No. Gift and borrowed funds must be subtracted.
How are large deposits treated?
Deposits exceeding the applicable threshold require acceptable sourcing.
Can assets already producing income be counted?
Do not double count assets used as another income source.
What does H31 mean?
H31 is the required Investor Feature Identifier for delivery.
Which Guide date does this worksheet reference?
It references Section 5307.1 effective April 1, 2026.
Guide and Compliance Notes
Freddie Mac calls this method assets as a basis for repayment. Eligible property and transaction limits apply. Lender requirements may be stricter.
Borrowers using assets must meet current documentation requirements. Form 4506-C rules may also apply. Delivery uses Investor Feature Identifier H31.
Review the current Seller/Servicer Guide before underwriting. This page is unaffiliated with Freddie Mac. Rules may change without notice.