Lenders generally accept various disability benefits as stable income, including , Supplemental Security Income (SSI) , VA disability , and private long-term disability insurance.
Several mortgage options are designed with features that may benefit those on a fixed disability income: Housing Grants & Loans for People With Disabilities | 2026 can you buy a house if you are on disability
: While buying a home is possible on SSI, the program's strict asset limits ($2,000 for individuals, $3,000 for couples) can make saving for a down payment difficult. Impact on Benefits : If your disability benefits are non-taxable (common
: Your primary residence is generally an excluded asset and does not count against asset limits for means-tested programs like SSI and Medicaid. Supplemental Security Income (SSI)
: If your disability benefits are non-taxable (common for SSDI and VA benefits), lenders may "gross up" that income by up to 125% to better reflect your true purchasing power relative to taxable income.
: While the home itself is exempt, any cash or other financial assets you hold to manage the purchase may still be subject to asset limits. specialized Mortgage Programs