> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://developer.fortresstech.io/api-reference/assets/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://developer.fortresstech.io/_mcp/server.

# Assets Overview

> Overview of the Assets API endpoints and functionality

The Assets API returns the assets each applicant reported on the asset checklist of an affordable certification: bank accounts, cash, certificates of deposit, trusts, stocks and bonds, retirement plans, life insurance, real estate, personal property held for investment, assets disposed of, and other assets.

## Key Concepts

### One asset per checklist entry

Each asset is one entry of an applicant's asset checklist. An applicant has one checklist per certification, so the same account can appear once for the move-in certification and again for a recertification. Use `certificationId` (or `applicationId`) to read the assets of one certification.

### Type and category

`type` is the asset kind (`ACCOUNT_CHECKING`, `RETIREMENT_PLAN`, `SOLD_ASSET`, ...). `category` is the checklist entry the asset was reported under and separates assets that share a type: `ira`, `pension`, `keogh`, `k401` and `otherRetirementAccount` are all `RETIREMENT_PLAN`; `stocksOrBonds` is `SECURITY_STOCK` because the checklist does not tell stocks from bonds.

### Values

* `marketValue`: the balance or market value as entered.
* `cashConversionFee`: the cost to convert the asset to cash. For real estate entered in the portal it holds the mortgage balance, plus the cost to sell when the property is being sold.
* `cashValue`: the value after that cost.
* `interestRate`: in percent.
* Real estate the applicant rents out (portal): `marketValue` is the yearly rent received, `cashConversionFee` the yearly taxes, `cashValue` the rent after taxes and `interestRate` the interest portion entered, not a market value or a mortgage.
* `SOLD_ASSET` entered in the portal: `marketValue` and `cashValue` are the amount given away, the market value minus the sale price, the same number as `disposedAmount`.
* `disposedDate` and `disposedAmount`: only on `SOLD_ASSET`.

A value that was not entered as a number is returned as `null`.

### Older checklists

Certifications whose asset checklist was filled in on the older form (one value per asset type, no list of accounts) return one asset per type marked yes. That form holds a single value, so `marketValue` and `cashValue` are the same and `interestRate` and `cashConversionFee` are `null`. On `SOLD_ASSET` the value is also returned as `disposedAmount`.

### Not returned yet

* Every entry of a long list. Each account list returns its first entry only (the first two for other assets); when an applicant reported more, that last returned asset has `listTruncated: true`. Do not add up `marketValue` or `cashValue` for an applicant's asset total while any asset of that certification has `listTruncated: true`.
* The institution name and account number: they are stored encrypted and will be added separately.
* `propertyAddress`, `mortgageBalance` and `rentReceived` are declared but always `null`: the checklist does not store them.
* Assets of minors (household members who are not customers).

### Customer assets

`GET /customers/{customerId}?fields=assets.*` and `GET /customers?fields=assets.*` return each customer's assets, matched on `customerId`.

## Available Endpoints

| Endpoint                                                | Summary     | Method |
| ------------------------------------------------------- | ----------- | :----: |
| [`/assets`](/api-reference/assets/list-assets)          | List Assets |   GET  |
| [`/assets/{assetId}`](/api-reference/assets/read-asset) | Read Asset  |   GET  |

> Overview of the Assets API endpoints and functionality


## API Docs

- Assets [List Assets](https://developer.fortresstech.io/api-reference/assets/list-assets.md)
- Assets [Read Asset](https://developer.fortresstech.io/api-reference/assets/read-asset.md)

## OpenAPI Specification

The raw OpenAPI 3.1 specification for this API is available at:
- [OpenAPI JSON](https://developer.fortresstech.io/openapi.json)
- [OpenAPI YAML](https://developer.fortresstech.io/openapi.yaml)