Ping
I don’t know anything about specific programs for the disabled, but if your monthly SSDI check is enough to cover the mortgage and your other expenses, you shouldn’t have any more problems qualifying for a mortgage than a person with earned income.
I’m sorry you’ve found it necessary to apply for disability.
I’m puzzled though by this post, and many others on FR who find it necessary to openly discuss their application and/or qualification for entitlement programs.
It’s part of the normalization of government dependency. While I’m in the camp that dependency on government programs in at least some instances is nothing to be ashamed of, it is also nothing one should be willing to openly discuss.
A conservative approach to dependency would be to keep it to yourself, get off of it as soon as possible and do not talk about it as if it were “normal”. Dependency is not “normal”.
You appear to be planning for a long future of dependency on entitlement programs. I’m sorry for you, and for an America where this becomes something one can post randomly on an erstwhile conservative website.
We are truly lost, if this is our “new normal”
I do mortgage lending for a living. Disability income can be used as long as it can be verified.
My wife and I live in a double-wide we bought when I was working. We bought on a ten year note and the house was custom built at the factory for her needs. She is quadriplegic. That's about as disabled as disabled can get. Myself and family members built a ramp etc to get in the house. It's worked for her for 22 years now.
Now the downside. Five years into the payments I could no longer work. I made several honest and hard fought attempts to stay working and finally under advice of several doctors and a Disability examiner I stayed retired. That was 18 years ago. Up till about five years ago I could do most of the maintenance. Now I have to be very cautious to even use a step ladder to change inside bulbs. Leaves on the roof etc my son in law handles. Doctor told me stay off ladders after several bad falls. So things I can't fix now either family does it or I have to pay a service call. BTW my profession was commercial building maintenance.
Look at the cost and the drawbacks of home ownership vs an accessible rental. For some renting is a better option as maintenance is included in the rent. Many apartment complexes do have accessible apartments even at full rent private pay.
For more severe physical disabilities the cost of living will be much higher. For example a person confined to a wheelchair must have adaptive transportation. Wheelchair lifts are not cheap and as far as I know no program covers them. We've been buying used full sized high top vans for years. If you go for a mini van with a cut out {lowered} floor be very aware of the extreme low clearances underneath. You have to factor all this in as to whether you can afford a home.
If not for family we would have lost our home. It took me none months counting the appeal process to be approved. During that time I had zero income and my wife's then $350 disability check was the house payment for the month.
Buy or rent wisely.