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MarketsBuyer questionsSpecial situationsCan I buy a house with an ITIN instead of a Social Security number?

Can I buy a house with an ITIN instead of a Social Security number?

Yes, with some lenders. ITIN loans exist, but they usually need a bigger down payment than FHA or VA loans.

Find my homeAnswered by Nick GutheryUpdated October 26, 2026

You will need your ITIN, tax returns, and proof of income and work.

Ask us. We can tell you if any builders' lenders in your area make these loans.

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  • Can I use Section 8 to buy a house?In some places, yes. Some housing authorities let a voucher help pay a mortgage instead of rent. Ask your local housing authority if it does.Read the answer
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