Bank statement loan calculator
Your tax return shrinks your income on purpose. Your deposits tell the truth. Estimate the qualifying income a bank statement loan would read from your accounts.
Lenders apply an expense factor to gross deposits — commonly around 90% for personal statements and 50% for business statements, adjusted to your business type.
Qualifying monthly income
$16,200
From deposits — no tax returns
- Est. max monthly payment
- $7,290
- Est. buying power
- ≈ $1,335,000
Buying power assumes ~45% of income toward the payment, 7.25% / 30 yr, 20% down. Illustration only.
Strong qualifying income
Your deposits tell a stronger story than your tax return. This income can anchor a real approval.
Illustration only. Actual expense factors depend on your business type and program; qualifying income is determined in underwriting from 12–24 months of statements.
Deposits look strong?
Send Pat two months of statements and he’ll tell you the real qualifying number — usually within a day.