Enter a purchase price and choose a loan-to-value level to see the down payment and loan amount it implies. Non-QM income programs often ask for a little more down than conventional — this helps you plan the cash side of the file.

Estimates only, for educational planning. Not a quote, pre-approval, or commitment to lend. Underwriting uses your full file; results here are illustrative.

How much down does a self-employed loan take?

Non-QM income programs — bank-statement, P&L-only, 1099-only — usually price for a slightly larger down payment than a full-doc conventional loan. The exact loan-to-value (LTV) you reach depends on your credit, reserves, and how cleanly your income documents, but a few levels are common enough to plan around:

Up to ~90% LTV (about 10% down) — strong files with high credit and solid reserves on a bank-statement or 1099-only program.
About 80% LTV (20% down) — a frequent baseline across Non-QM income products.
About 70% LTV (30% down) — typical of asset-depletion and ATR-in-full programs, which lean on assets rather than documented income.

The calculator simply applies the LTV you choose to the price you enter. It does not account for closing costs, reserves, or whether your income supports the resulting payment — those come from the full file. Pair it with the bank-statement income estimator to check both sides of the equation, then confirm real numbers with a specialist.

These are illustrative planning figures, not a quote, pre-approval, or commitment to lend.

See whether your cash flow qualifies

Tell us how you earn. A Q Mortgage specialist reviews bank-statement, P&L-only, 1099, and asset-depletion options with you — no credit pull to get a read.