: Many users on SSDI or VA benefits successfully qualify for mortgages because lenders treat these as stable, non-taxable income. Some even "gross up" this income by 25% to account for its tax-free status, increasing borrowing power.
Real-world reviews from homeowners on disability highlight both the liberation of independence and the stress of ongoing costs: can you buy a home while on disability
Reviewers frequently point to these specific programs as the most viable paths: Housing Grants & Loans for People With Disabilities | 2026 : Many users on SSDI or VA benefits