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
: 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. specialized Mortgage Programs : Your primary residence is
: 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 Supplemental Security Income (SSI)
: Your primary residence is generally an excluded asset and does not count against asset limits for means-tested programs like SSI and Medicaid.