10 Practical Tips for Disabled Homebuyers

Alexandra Starrett
Jul 9, 2025
3 min read

Buying a home with a disability can bring extra considerations, but with the right tools and support, it is absolutely achievable. Whether you're looking in Portland, the Oregon Coast, or beyond, here are 10 useful tips to help guide your journey.

1. Disability income can count toward your mortgage

If you receive SSI or SSDI, that income can help you qualify for a home loan. Lenders will want proof it will continue for at least three years, often in the form of a benefits award letter. FHA, VA, and conventional loans all allow this.

2. There are grants and programs to help

Oregon Housing and Community Services offers down payment assistance. In some cases, this can be as much as $60,000. There are also national grants to help with accessibility upgrades or renovation costs.

3. Prioritize accessibility from the start

Let's look for homes that are already accessible or can be easily modified. Features to consider include no-step entries, wide doorways, open kitchens, and a full bathroom on the main level. These features can save time and money down the road.

4. Know your rights under the law

Under the federal Fair Housing Act and Oregon law, it is illegal for sellers, landlords, or real estate agents to discriminate against people with disabilities. You are also entitled to request reasonable accommodations, such as the ability to bring a service animal or make accessibility upgrades.

5. Work with someone who gets it

Not every real estate agent understands disability needs. Find someone who listens to what you want, respects your access needs, and knows how to identify accessible features or advocate for reasonable accommodations.

6. Make a needs-based checklist

List what you need versus what would be nice to have. For example, you might need a step-free entrance, but prefer a garage. Think about how you use your space, how your disability affects your daily routines, and what would truly make life easier.

7. Look into local nonprofits for home modifications

In Portland, organizations like ReFIT offer free or low-cost accessibility modifications for people with disabilities. This can include ramps, grab bars, widened doorways, or upgraded lighting.

8. Understand the cost of upgrades

Not all accessibility changes are cheap. Ramps, accessible bathrooms, and kitchen modifications can add up. Factor these costs into your home budget, and check whether any financial assistance is available before you close.

9. Think long term when choosing a home

Consider how your needs may change over time. Will you still be able to access all areas of the home in five years? Is there space to add a caregiver suite if needed? Is the neighborhood close to transit or medical care? These questions matter just as much as square footage.

10. Stay connected after the sale

A good agent should still be there for you after closing. Whether you need help finding a contractor for accessibility work, a tax professional who understands disability income, or simply someone to talk through next steps, don’t hesitate to reach out.