Disability income is fully acceptable for mortgage approval when properly documented and expected to continue.
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Can I buy a home if I’m on disability income?
ACCEPTABLE INCOME TYPE
Disability income can be used to qualify as long as it is stable, ongoing, and expected to continue for at least three years. Lenders evaluate award letters and payment history.
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DOCUMENTATION REQUIREMENTS
Award letters, bank statements, and benefit verification confirm the amount and continuation of payments. Tax returns may be required for certain benefit types.
GROSS‑UP RULES
Some disability income may be grossed up when it is non‑taxable, increasing qualifying income depending on program guidelines.
NEXT STEPS
Gather award letters.
Provide bank statements.
Confirm continuation requirements.
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