Crypto Mortgage Calculator
Estimate the monthly qualifying figure your cryptocurrency and conventional holdings can support — Bitcoin, Ethereum, and dollar-backed stablecoins converted to qualifying income without a forced sale of your position to qualify.
Get Started in 3 Steps
How to Use the Crypto Mortgage Calculator
Enter Your Crypto Holdings
Add your Bitcoin and Ethereum, any U.S.-listed crypto ETFs, and your dollar-backed stablecoin balances. Each is counted at its illustrative asset-valuation percentage.
Add Conventional Assets
Include cash, CDs, and Treasuries (counted at 100%) and any brokerage or retirement balances (counted at 85% when of retirement age). Open cash to close to subtract funds set aside for closing.
Review Your Qualifying Figure
See the eligible-asset breakdown, the net eligible total, and an estimated monthly and annualized qualifying figure, then request a personalized review — the underwriter sets final eligibility.
Crypto Mortgage Calculator
Estimate the qualifying figure your holdings can support
Crypto holdings
Conventional holdings (optional)
Brokerage and retirement assets are counted at 85% when the owner is of retirement age; otherwise they are not included to qualify.
Your qualifying figure
Eligible assets
Monthly qualifying figure
Net eligible assets ÷ 60 months
$6,500/mo
Estimated qualifying income
$440,000 eligible − $50,000 cash to close ÷ 60
This is an estimate, not a commitment to lend, an approval, or an offer of credit. The asset-valuation percentages shown here are illustrative — programs, eligible asset types, and asset valuation percentages are subject to change without notice, and not all applicants will qualify. Eligible assets are divided by 60 months to estimate a qualifying figure; digital assets are reviewed for source of funds under applicable anti-money-laundering rules, and you keep your position — no forced sale of qualifying assets to qualify. Program financing is available up to a $2,000,000 loan amount. Lumen Mortgage does not provide tax or legal advice; consult your own advisors. Final eligibility and qualifying income are determined by the underwriter after a full review. Lumen Mortgage · NMLS #1498678 · Licensed in Oregon & California. Equal Housing Lender.
How do you qualify for a mortgage with cryptocurrency?
A crypto mortgage lets qualified borrowers use their cryptocurrency holdings to qualify for a home loan instead of relying on employment income — with no forced sale of your position to qualify. Lumen's asset-based method counts eligible crypto (Bitcoin, Ethereum, and U.S.-listed crypto ETFs at an illustrative 50%; dollar-backed stablecoins at 90%), blends it with conventional holdings (cash, CDs, and Treasuries at 100%; brokerage and retirement at 85% when of retirement age), subtracts any cash set aside to close, and divides the remainder by 60 months to estimate a monthly qualifying figure.
Best for: Crypto-rich, income-light buyers in Oregon and California who hold significant Bitcoin, Ethereum, or stablecoins
How It Works
Understanding the Crypto Mortgage Calculator
Some buyers hold real wealth that never shows up on a pay stub — it lives in a crypto wallet. A crypto mortgage lets qualified borrowers use those digital assets to qualify for a home loan, so being income-light on paper no longer stands in the way. The core idea mirrors asset depletion lending: your balance sheet, not your employer, does the qualifying.
This calculator applies Lumen's asset-based method. Eligible crypto is counted after an illustrative asset-valuation percentage — Bitcoin, Ethereum, and U.S.-listed crypto ETFs at roughly 50%, and dollar-backed stablecoins at roughly 90% — then blended with conventional holdings (cash, CDs, and Treasuries at 100%, and brokerage or retirement accounts at 85% when the owner is of retirement age). The blended eligible total is reduced by any funds you set aside to close and divided by 60 months to estimate a monthly qualifying figure. Crucially, you keep your position: there is no forced sale of qualifying assets to qualify, though digital assets are reviewed for source of funds under applicable anti-money-laundering rules.
Enter your crypto and conventional balances to see an estimated qualifying figure, an annualized total, and a full eligible-asset breakdown. Asset-valuation percentages are illustrative and subject to change. Pair this with our DTI calculator to see how the figure supports a payment, then request a personalized review — final eligibility and qualifying income are always set by the underwriter.
Ready to apply?
Numbers look right? Explore our Crypto Mortgage page for eligibility details, rates, and next steps.
About This Calculator
What the Crypto Mortgage Calculator is For
Crypto-rich buyers are often income-light on paper — their wealth lives on a balance sheet, not a pay stub. A crypto mortgage solves that by letting qualified borrowers use their digital assets to qualify, with no forced sale of qualifying assets to qualify. This calculator applies Lumen's asset-based method: eligible crypto (Bitcoin, Ethereum, and U.S.-listed crypto ETFs counted at an illustrative 50%; dollar-backed stablecoins at 90%) is blended with conventional holdings (cash, CDs, and Treasuries at 100%; brokerage and retirement at 85% when of retirement age), then reduced by any cash set aside to close and divided by 60 months. Enter your balances to see an estimated monthly qualifying figure, an annualized total, and a full eligible-asset breakdown. Asset-valuation percentages are illustrative and subject to change; final eligibility is set by the underwriter.
Common Use Cases
- Crypto-rich, income-light buyers estimating what their holdings can support
- Blending Bitcoin, Ethereum, and stablecoins with conventional assets to qualify
- Seeing how asset-valuation percentages shape a qualifying figure without selling to qualify
Ready to turn numbers into a loan?
Common Questions
Crypto Mortgage Calculator — Frequently Asked Questions
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Further Reading
Self-EmployedHow to Qualify for a Mortgage in Retirement — Without Taking Taxable Distributions (Oregon & California, 2026)
You can qualify for a mortgage in retirement using your savings, investments, and retirement accounts — without starting a single taxable distribution. Here's how Oregon and California lenders actually convert assets, Social Security, and pensions into qualifying income, why the widely repeated numbers (the 70% "discount" and the 25% Social Security gross-up) are wrong, and why the timing of your application relative to your retirement date matters more than almost anything else.
Self-EmployedAsset Depletion Loans in Oregon and California: How to Turn Savings, Investments, and Retirement Into Mortgage-Qualifying Income (2026)
Asset-rich but income-light? An asset depletion loan converts your savings, investments, and retirement accounts into qualifying income — no job, paycheck, or tax returns required. Here's how the three calculation methods work, and why the same borrower can qualify for wildly different loan amounts depending on which one a lender uses.
Self-EmployedJumbo Loans for Self-Employed Borrowers in Oregon and California — How to Qualify for a $1M+ Mortgage Without Two Years of Clean Tax Returns
High income, a low-looking tax return, and a $1.2M home in your sights? Self-employed borrowers can finance jumbo purchases in Oregon and California using bank statements, a P&L, 1099s, or assets — no two years of clean returns required. Here's exactly how it works.
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All calculator results are estimates for informational purposes only and do not constitute a loan commitment or guarantee of any specific rate or terms. Actual loan terms will depend on creditworthiness, property type, and market conditions. Lumen Mortgage Corporation · NMLS #1498678 · Licensed in Oregon & California · 920 SW 6th Ave, Suite 1200, Portland, OR 97204.