To purchase a house without a job, leverage alternative income sources such as rental property income, dividend earnings, retirement accounts, or Social Security benefits. Secure pre-approval using these verified financial streams, prioritize a large down payment (20% to avoid PMI), and explore loans like FHA or VA options that accept non-traditional credit histories. Family assistance or down payment assistance programs can further bridge financial gaps.

Lenders increasingly accept non-traditional income proof due to evolving economic realities, such as gig work and remote employment. In 2023, 30% of U.S. homebuyers used alternative income sources, per the Federal Housing Finance Agency (FHFA). FHA loans, which require only 3.5% down payment and accept non-employment verification, helped 2.1 million buyers in 2022, per the U.S. Department of Housing and Urban Development. Remote work trends (34% of workers in 2023, per the Census Bureau) also enable lenders to verify income remotely, reducing reliance on traditional employment. Down payment assistance programs, such as the Community Homebuyers Program, provided $3.5 billion in 2022 to low- and middle-income buyers, per the National Association of Homebuyers. Combining these strategies ensures eligibility despite joblessness, as 15% of first-time buyers in 2023 purchased homes without steady employment, per the National Association of Realtors.