Silicon Valley Buyer Tool

RSU Down Payment
Calculator

See exactly how much you'll net from your RSU vests — after taxes — and how lenders calculate your qualifying income.

YOUR RSU GRANT DETAILS
Used for mortgage qualifying income calculation
NET PROCEEDS AFTER TAX
$739,125
Gross Value
$1,500,000
Federal Tax
-$480,000
CA State Tax
-$154,500
FICA + SDI
-$126,375
MORTGAGE QUALIFYING INCOME
Without RSU Income
$795,254
max loan at 43% DTI
With RSU Income
$1,789,322
max loan at 43% DTI
Additional buying power from RSU income +$994,068
Fannie Mae requires 12 months of vesting history (time-based) or 24 months (performance-based). Uses 200-day moving average stock price. Consult a mortgage professional for exact qualification.
DOWN PAYMENT STRATEGIES

Two Ways to Use Your RSUs

Sell and use cash, or borrow against your shares to avoid the tax hit. Your situation determines which makes more sense.

ELIGIBILITY CHECK

Will Your RSUs Qualify for Mortgage Income?

DUAL-LICENSED ADVANTAGE

Get exact numbers for your situation

As a dual-licensed REALTOR and Mortgage Originator, I evaluate your RSU income under both Fannie Mae and Freddie Mac guidelines — most agents have to refer you out for this. One conversation, the complete picture.

Schedule a Complimentary Consultation
DRE #01968917 · NMLS #1029190 · Real Brokerage Technologies