Essential Programs and Tips for Homebuying on Disability
- Kim Clark
- Jul 29
- 1 min read
People with disabilities can use Social Security Disability Insurance and Supplemental Security Insurance as income on mortgage applications, making it easier to qualify for a home loan. Several programs, such as Fannie Mae's HomeReady, Freddie Mac's Home Possible, FHA loans, VA loans and USDA loans, cater to individuals with disabilities, often requiring lower down payments and flexible credit requirements.
More information in this Bankrate article:
If you’re eager to become a homeowner but concerned that you won’t qualify because you’re on disability, you may have more options than you realize. In fact, there are special housing programs, including loans and grants, that are designed to help people with disabilities achieve the goal of homeownership. Keep reading to learn more about buying a home on disability, including how to find housing grants and apply for a mortgage.
Key takeaways
If you’re living with a disability, you can list your Social Security Disability Insurance (SSDI) or Supplemental Security Insurance (SSI) as income on your mortgage applications.
This makes it easier to meet a lender’s income requirements and qualify for a mortgage — even if you aren’t receiving employment income.
To reduce the upfront costs of buying a home, you can also explore down payment assistance programs in your area.
With the right planning, access to assistance programs, and support from a trusted lender and knowledgeable REALTOR®, homeownership is within reach for those living with a disability—offering both independence and long-term stability.
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