Expat Down Payment Source Analyzer

Quick Summary

Analyze the logistics of moving foreign assets into the US for your down payment. Understand how wire transfer timelines and OFAC compliance affect your closing timeline.

Calculator

Your Inputs

Target Home Price ($)

Liquid Foreign Assets (USD Equivalent)

Estimated Wire Transfer Fees ($)

Days Funds have been in US Bank

Your Estimates

Monthly Qualifying Income

$8,333

Max Estimated Loan Amount

$593,291

Assumes a 45% DTI ratio

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Frequently Asked Questions

Can I wire my down payment directly from a foreign bank to the title company?

No. Lenders require foreign funds to be wired into a US bank account and 'seasoned' (verified) before they can be used for closing.

How long do foreign funds need to be seasoned?

Typically 60 days. Lenders want to see the funds show up on two consecutive US bank statements to clear anti-money laundering (AML) checks.