Several mortgage options are designed with features that may benefit those on a fixed disability income: Housing Grants & Loans for People With Disabilities | 2026
: 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 can you buy a house if you are on disability
: 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. Several mortgage options are designed with features that
Lenders generally accept various disability benefits as stable income, including , Supplemental Security Income (SSI) , VA disability , and private long-term disability insurance. the program's strict asset limits ($2