Applications
06/09/2025
Achieving the dream of home ownership may be more accessible than you think thanks to the My House My Life program.
One of the most advantageous options on offer is the buying real estate with zero down payment, and facilitating access to housing for low-income families.
In this article, you will learn how to buy a property by the program, what are the requirements, advantages and step by step necessary to guarantee your benefit.
First of all, it is essential to analyze your profile to find out if you are within the required criteria.
O My House My Life is aimed at families with monthly income up to R$ 8,000, They are divided into specific bands. The lower the income, the greater the subsidies granted by the government.
Not owning their own property
No active financing
Having a clean name (no restrictions on CPF)
Have up-to-date CadÚnico registration (Single Registry for Government Social Programs)
After confirming that you are eligible for the program, it's time to choosing a property desired. It's important that he does:
Be located in your city or nearby region
Be part of the construction companies accredited by Caixa
Be within the permitted value limit for your income bracket
To proceed with the process, you will need to present the following documents:
ID and CPF
Proof of residence (up to date)
Proof of income for the last three months
Birth or marriage certificate (if applicable)
FGTS statement (if you wish to use it)
Important: Caixa or the construction company may request additional documents, depending on the credit analysis.
There are two main ways to sign up:
Go to the housing sector or the Municipal Social Assistance Office and inform them of your desire to take part in the program.
You can also search directly for a builder partner of Minha Casa Minha Vida, who will forward the process to Caixa.
After registration, the Federal Savings Bank will hold a documentation analysis and your financial situation. If approved, the loan is released.
Once approved, you will be called to sign the financing contract with Caixa. From then on, you'll be able to schedule the start of the installments and finally get your own home.
The option of zero entry is undoubtedly one of the program's greatest facilities. Here are the main benefits:
With elimination of the entrance, The program removes one of the main barriers for those who want to buy their own home: the initial price, which is usually high.
No entry required:
Avoid long periods of saving
Invest resources in furniture and structure of the new house
Secure a purchase without compromising your family budget
Minha Casa Minha Vida offers interest rates subsidized by the government, which are much lower than those on the traditional market. As a result, the installments fit better in your pocket.
If you have a Severance Indemnity Fund (FGTS), you can use it for:
Reduce the amount of the installments
Pay off part or all of the loan if you wish
Here's a practical guide to getting your property without paying a down payment:
You need to:
Have an income compatible with the program
Not owning another property
Have your CPF in order
Register:
In your town hall
Or at accredited construction companies
Choose from the developments available for your income bracket and location. Pay attention to the quality, accessibility and safety of the location.
A Federal Savings Bank will analyze your profile and documentation. This process can take a few weeks.
After approval, go to Caixa to sign the contract. From then on, your dream of home ownership starts to come true.
Conclusion
Buying a property with zero down payment for Minha Casa Minha Vida is entirely possible, as long as you follow the correct steps and keep your documentation up to date.
The program is an excellent opportunity to make the dream of home ownership a reality, with less bureaucracy e more financial accessibility.
Details of the program can be vary by municipality and suffer changes according to federal rules. Keep up to date via the official channels.
