To purchase a house in a U.S. city without health insurance, follow these steps: 1) Secure a mortgage pre-approval by demonstrating stable income and a good credit score. Lenders typically do not require health insurance, but proof of steady employment and tax returns is essential. 2) Save for a down payment (3-20% of the purchase price) and closing costs (2-5% of the loan amount). 3) Choose a property, negotiate the offer, and complete the closing process with a real estate attorney or title company. Health insurance is not a standard requirement, but buyers should budget for potential medical emergencies that could strain mortgage payments.

Health insurance is not mandated for homebuying, as lenders focus on income stability and creditworthiness. According to the Urban Institute (2022), 62% of U.S. homebuyers lack health insurance, yet 85% of mortgages are approved without it. However, medical debt can impact financial health: the Federal Reserve reports that 25% of U.S. adults struggle to pay medical bills, potentially affecting mortgage affordability. While health insurance isn’t a procedural requirement, it mitigates risks of unexpected expenses. Buyers should prioritize emergency savings (3-6 months of mortgage payments) and consider affordable plans like ACA marketplace options post-purchase. Lenders may indirectly affect approval if income volatility is detected, but no direct health insurance checks exist. This process remains feasible for uninsured buyers with careful financial planning.