Would Disability Payments Be Considered Part Of Your Income When Applying For A Home Loan?

by admin

in Disability

I receive $770/month in disability benefits. Would this be considered income when applying for a loan to purchase a home?

{ 5 comments… read them below or add one }

Expert Realtor July 12, 2009 at 7:28 am

Yes it is, if the payments are permanent.

mary h July 12, 2009 at 12:13 pm

as long as its a permanant settlement .
but you would still have the regular qualifications – such as credit score and history to comply with, and most important – the percentage of income allowed to be applied towards a mortgage payment- which would be very little.
Realisticly -You would not be able to afford much of a house.

paul July 12, 2009 at 4:17 pm

It can be if the payments can reasonably be expected to continue for the foreseeable future. As an example if you are receiving social security disability for a leg you lost in an accident. But if you expect the disability to go away or be cured it would not count towards a home loan.

If you only knew July 12, 2009 at 10:04 pm

yes

estielmo July 13, 2009 at 4:26 am

Yes, if they are permanent. Just as a pension would be. But $250 per month won’t buy much house.

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