Buying A Home On Social Security May 2026

If you are a veteran or active-duty service member receiving Social Security, you may qualify for a VA loan. These typically require 0% down and feature no monthly mortgage insurance.

Just like any other borrower, your credit score and existing debts will heavily impact your approval odds and interest rate. 🏛️ Top Mortgage Programs to Consider buying a home on social security

Because Social Security retirement and disability benefits are often tax-exempt, many lenders will "gross up" this income. This means they may calculate your debt-to-income (DTI) ratio as if you earned up to 25% more than your actual benefit amount, making it easier for you to qualify for a higher loan amount. If you are a veteran or active-duty service