I-864: Using Real Estate as an Asset


Real Estate is generally the MOST EXPENSIVE investment in many people’s life. A House can be easily valued at $100k to $400k. For USCIS Purposes and the I-864, a piece of real estate can be used to supplement or completely cover the financial responsibility of Sponsorship.

USCIS will look for the “Equity” or “Equity of Ownership” in the property.

To determine Equity, USCIS would require:

  1. Deed
  2. Tax Assessment or a recent appraisal that has occurred within the last 30 to 90 days
  3. Most Recent Mortgage Statement
  4. Proof of any other liens against the property, such as a tax lien or mechanics lien
  5. A Photo of the property also doesn’t hurt

With the above items, USCIS can calculate the Resale Value of the property, minus the mortgage and any liens still owed, and the remaining balance would be the equity.

For example: A House is worth $200,000 and the Owner has a mortgage remaining on the property in the value of $75,000. The Equity in the property would be $125,000.

How much of an Asset Equity Value must I have?

USCIS using the I-864P was a guideline to determine the needed income amount for a sponsor based on their household size and location. I-864P can be located here: https://www.uscis.gov/i-864p

Additionally, an asset would have to have a multiple of 3 or 5, depending on the citizenship of the sponsor and the relationship to the immigrant.

If USCIS requires an income of $25,000, USCIS would require an asset of:

  • 1/3 Valuation for Spouses and Minor Children of US Citizens: $75,000 asset value
  • 1/5 Valuation for anyone else: $125,000 asset value

Related Blog posts:

I-864 Asset Calculations

I-864 Affidavit of Support: Joint Sponsor Guidance

VA Disability and US Immigration




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