The documentation required depends on the type of disability income you receive, but in most cases lenders need evidence that the income is currently being received and is expected to continue.

For VA disability income, a current Certificate of Eligibility (COE) or VA benefits letter is typically sufficient. Many lenders will also verify the deposits shown on your bank statements.

For Social Security Disability (SSDI), lenders generally request your Social Security award letter and proof that the income is being deposited into your account.

For private disability insurance or long-term disability benefits, lenders may require an award letter, benefit statement, or documentation from the insurance provider showing the amount received and the expected duration of the payments.

Because disability income is often non-taxable, some loan programs may allow the income to be “grossed up” for qualifying purposes, potentially increasing your purchasing power.

Your loan officer can review your specific situation and let you know exactly what documentation is required for your loan program.