I-864 assets need to be x3 or x5 poverty guideline?

[bebkay 15]

For household of 2, 125% of poverty guideline is $20,575 for 2018.

If those aren't met by the spouse, and I need to use assets. Do I need x3 or x5 the difference between poverty guideline and annual salary of spouse?

 

From USCIS website, just want someone to clarify:

If you cannot meet the minimum income requirements using your earned income, you have various options:

• You may add the cash value of your assets. This includes money in savings accounts, stocks, bonds, and property. To determine the amount of assets required to qualify, subtract your household income from the minimum income requirement (125% of the poverty level for your family size). You must prove the cash value of your assets is worth five times this difference (the amount left over).
  • Exceptions:
    • If the person being sponsored is a spouse, or son/daughter (who is 18 years or older) of a U.S. citizen: The minimum cash value of assets must be three times the difference between the sponsor’s household income and 125% of the federal poverty guide line for the household.
    • If the person being sponsored is an orphan coming to the United States for adoption: The adoptive parents’ assets need to equal or exceed the difference between the household income and 125% of the federal poverty line for the household size.
• You may count the income and assets of members of your household who are related to you by birth, marriage, or adoption. To use their income you must have listed them as dependents on your most recent federal tax return or they must have lived with you for the last 6 months. They must also complete a Form I-864A, Contract Between Sponsor and Household Member . If the relative you are sponsoring meets these criteria you may include the value of their income and assets, but the immigrant does not need to complete Form I-864A unless he or she has accompanying family members.
• You may count the assets of the relatives you are sponsoring.

[azblk 338]

If the i-864 is for an immediate relative of a US citizen then assets have to be worth 3X the poverty level.