An analysis of mutation accumulation in finite, asexual populations sh
ows that by modeling discrete individuals, a necessary condition for m
utation-selection balance is often not met. It is found that over a wi
de parameter range (whenever N e(-mu/s) < 1, where N is the population
size, mu is the genome-wide mutation rate, and s is the realized stre
ngth of selection), asexual populations will fail to achieve mutation-
selection balance. This is specifically because the steady-state stren
gth of selection on the best individuals is too weak to counter mutati
on pressure. The discrete nature of individuals means that if the equi
librium level of mutation and selection is such that less than one ind
ividual is expected in a class, then equilibration towards this level
acts to remove the class. When applied to the classes with the fewest
mutations, this drives mutation accumulation. This drive is in additio
n to the well-known identification of the stochastic loss of the best
class as a mechanism for Muller's ratchet. Quantification of this proc
ess explains why the distribution of the number of mutations per indiv
idual can be markedly hypodispersed compared to the Poisson expectatio
n. The actual distribution, when corrected for stochasticity between t
he best class and the mean, is akin to a shifted negative binomial. Th
e parameterization of the distribution allows for an approximation for
the rate of Muller's ratchet when N e(-mu/s) < 1. The analysis is ext
ended to the case of variable selection coefficients where incoming mu
tations assume a distribution of deleterious effects. Under this condi
tion, asexual populations accumulate mutations faster, yet may be able
to survive longer, than previously estimated.