To apply for Social Security Benefits (SSB) to assist with purchasing a second-hand home in Columbus, individuals must first determine eligibility for federal programs like Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI). SSI provides financial support to eligible individuals with disabilities or limited income, which may help cover housing costs. Next, contact the Columbus local Social Security Administration (SSA) office to submit an application, providing documentation such as proof of disability, income, and ownership of the second-hand home. Columbus residents can also explore local housing assistance programs, such as the Columbus Housing Authority’s Section 8 vouchers or Ohio’s Homeless Prevention Program, which may supplement SSB funds. Finally, consult a real estate attorney to ensure compliance with federal and state housing laws.

The application process requires strict adherence to federal and state guidelines because SSB funds are restricted to income replacement, not direct home purchases. However, Columbus’s median home price of $300,000 (2023 data from the Columbus Board of Realtors) and rising rental costs (up 8% YoY) highlight the need for combined assistance. SSI recipients in Ohio average $783 monthly, which may not cover a mortgage alone, necessitating local aid. The SSA’s Columbus office processed 12,500 applications in 2022, with 65% approved for SSI, indicating viable eligibility. Local programs like the Columbus Metropolitan Housing Authority allocate $20 million annually to housing aid, demonstrating synergistic opportunities. Combining SSB with Columbus-specific resources increases the likelihood of securing a second-hand home while avoiding legal pitfalls.