Skip to content

Mortgage Refinancing BlogPlain-English Refi Guides

Guides
Loan Types
Rates
About
Should I Refinance?

Loan types

FHA & Streamline

asset depletion

Home Equity Loan Asset Depletion 2026: Qualifying with Retirement Account Income

Home Equity Loan Asset Depletion 2026: Qualifying with Retirement Account Income

Retirees with big 401(k)/IRA balances but low income can qualify for a home equity loan using asset depletion. 2026 formulas, divisors, and lender rules.

Sep 7, 2026 · 7 min

Mortgage Refinancing BlogPlain-English Refi Guides

Independent mortgage refinancing education for U.S. homeowners. We explain the math; you make the call.

Loan types

Basics
Rate & Term
Cash-Out
FHA & Streamline
VA & IRRRL
HELOC & Equity

About

Our team
Editorial standards
Sourcing policy
Contact

Legal

Privacy policy
Terms of use
Advertising disclosure

Disclosure: Mortgage Refinancing Blog is an independent publisher. Content on this site is general education, not personalized financial, legal, or tax advice. If we introduce advertising in future, compensation will never influence our editorial conclusions. Confirm all loan terms with a licensed loan officer.

© 2026 Mortgage Refinancing Blog. All rights reserved.