The multiplier rules
- General rule (5×): your qualifying assets must equal at least five times the difference between your income and the 125% requirement.
- Spouse or child of a U.S. citizen (3×): if a U.S. citizen sponsors their spouse, or a child who will turn 18 after admission, assets need only equal three times the shortfall.
- Adopted orphans (1×): in certain orphan adoption cases the assets need only equal the shortfall itself.
Example: A sponsor in Texas with a household of 3 needs $34,150 (2026) but earns $30,000 — a $4,150 gap. As a U.S. citizen sponsoring a spouse, they need assets of 3 × $4,150 = $12,450. Anyone else would need 5 × $4,150 = $20,750. Run your own numbers in the calculator — it computes the exact asset figure for your case.
Which assets count
- Cash in checking and savings accounts (strongest evidence — 12 months of statements).
- Stocks, bonds, mutual funds, and CDs (brokerage statements).
- Real estate equity: market value minus mortgages and liens (appraisal required).
- The immigrant's own assets can be counted too, with no location restriction — including property abroad, if it can be converted to cash within 12 months.
What doesn't work well
Assets must be convertible to cash within one year without significant hardship. Cars generally count only if you own more than one (your primary vehicle is excluded). Retirement accounts are considered but consular officers may discount them because of withdrawal penalties. Recently deposited large sums with no explanation invite questions — document the source of funds.
How to document assets
List assets in Part 7 of Form I-864 and attach evidence of ownership, value, and liquidity: bank letters showing balance and account age, brokerage statements, property deeds with appraisals, and loan payoff statements. If the numbers are borderline, most attorneys recommend a joint sponsor instead — officers have discretion to find assets insufficient.