In a US city without social security benefits, purchasing a home requires leveraging alternative financial tools and local assistance programs. Key strategies include securing a first-time home buyer loan with minimal down payment, utilizing down payment assistance grants, and exploring rent-to-own agreements. Building a strong credit history and saving for closing costs are critical, even without social security income.

The absence of social security benefits often limits traditional savings and retirement security, making home purchase challenging. However, federal and state programs offer solutions. For example, the Federal Housing Administration (FHA) insures loans with as little as 3.5% down payment, even for non-wages earners. In 2022, FHA loans helped 5.5 million buyers, per HUD data, often supporting low-to-moderate-income households. State-level initiatives, like California’s AHFA program, provide up to $35,000 in grants for first-time buyers. Additionally, median home prices in cities like Detroit or Phoenix are 30-40% below national averages, enhancing affordability. Rent-to-own models further bridge gaps by allowing gradual equity buildup. A 2023 National Association of Realtors report found 15% of buyers used rent-to-own contracts, often bypassing credit score barriers. Without social security, strategic use of these tools—combined with local housing counseling—enables homeownership despite income constraints.