If you are unable to obtain household registration in the United States while purchasing a home, focus on verifying legal residency status and exploring mortgage programs tailored for non-citizens. Consult a real estate attorney or certified financial advisor to assess eligibility for loans requiring a co-borrower with strong credit or income documentation. Most U.S. states do not mandate household registration for property transactions, but proof of legal residence (e.g., green cards, visas) is typically required for mortgage approvals.

Household registration in the U.S. is not a formal requirement for homebuying, as the country does not have a centralized system like China’s hukou. However, lenders generally require documentation confirming legal presence and income stability. The Federal Housing Finance Agency (FHFA) reported that non-citizen homebuyers accounted for 7% of U.S. purchases in 2022, with foreign national loan programs (e.g., Fannie Mae’s HomeReady) offering flexible terms for those without permanent residency. State-specific rules, such as California’s requirement for proof of intent to reside, may apply, but these are exceptions rather than the norm. Data from the National Association of Realtors (NAR) shows that 15% of foreign buyers purchased U.S. properties in 2022, often leveraging investor visas or family sponsorship. Engaging a real estate professional can clarify state laws and streamline the process, ensuring compliance with financial and legal standards without household registration.