Comfama housing subsidy: requirements, amounts and how to apply

Last updated: July 2026

In Antioquia, the organization that helps you get your own home is called Comfama, and its subsidy is not limited to buying a new apartment: it also helps you build on your own lot, improve the house you already live in, or pay rent in the meantime. Many affiliated families let the Comfama housing subsidy Because they think you have to earn very little or that it only applies to brand-new homes. Here is the complete process, with what Comfama officially publishes and without made-up amounts.

We are Hepacom, the Hechos Para la Comunidad Foundation (NIT 900.841.914-1), and we work for the right to decent housing from Itagüí, in the Aburrá Valley. We are not Comfama, nor do we manage their subsidy: we explain how it works so that you arrive at the window knowing what they will ask for and in what order.

What is the Comfama housing subsidy and who is eligible?

It's a cash contribution that the compensation fund provides to affiliated households to buy, build, improve, or pay the rent on their social housing. It's non-repayable. It comes from the parafiscal contributions made by your employer—or by you, if you're a self-employed affiliate—so it's not a favor: it's a benefit you're entitled to if you meet the requirements.

One fact that sets it apart from the other boxes: Comfama is the compensation fund of Antioquia. It covers members in Medellín, the rest of the Aburrá Valley, and the department's subregions. If your family lives and works in Antioquia, this is the pension fund that applies to you; if you are in Bogotá, Cundinamarca, or another region, the mechanism is similar, but the fund and the amounts are different. You can compare them at [link/website/etc.]. how much does each compensation fund give?, or watch the deep dive of Compensate y Colsubsidio if you moved to a different region.

What are the requirements to apply for the Comfama housing subsidy?

Comfama and national regulations require these conditions from the applicant household:

• Be Comfama member as a contributing worker, pensioner who contributes the 2% on their monthly pension, or independent affiliate who contributes the 2% on their income.
• That they household income does not exceed four current legal monthly minimum wages For home purchases; the contribution is higher the lower the household income.
• That no one in the household owns or possesses a home within the national territory, when it comes to purchasing.
• That no member has previously received a family housing subsidy.
• Form a household (spouses, permanent partners or relatives) or apply as a single-person household.

This income threshold intersects with the membership category. The Superintendency of Family Subsidies defines it as follows, verbatim: «"Category A. Up to two current legal monthly minimum wages. Category B. More than two and up to four current legal monthly minimum wages. Category C. More than four current legal monthly minimum wages."» In practice, households in categories A and B are the ones that qualify for the housing subsidy; those in category C are excluded from the income cap.

How much is the subsidy and what options does Comfama offer?

Here's what sets Comfama apart from the common belief that it "only works for new housing": it offers several options, including building on your own lot, which is very common in the subregions of Antioquia. The loan amount depends on your income bracket and the type of project, and it complements the national subsidy. These are the different types of loans, all in one place:

Prepared by Hepacom using information published by Comfama and the Superintendency of Family Subsidies. Amounts depend on income category and project, and are adjusted annually according to the minimum wage; we do not publish the exact amount in pesos for the current period because it varies and depends on each case. Always verify the current amount on Comfama's official channels. Last updated: July 2026.

Common mistakes when applying for the Comfama housing subsidy

• Believing that it only covers new housing: Comfama also subsidizes used homes, home improvements, and construction on one's own land. Many families dismiss options that would have worked for them simply because they didn't ask.
• Requesting construction on one's own land without the land being properly registered: The household must own the land and have all the necessary paperwork in order. Without that, this option cannot be implemented.
• Applying with overdue membership: If your contributions are not up to date or your membership is very recent, the system will reject you. This requirement must be fulfilled in advance, before submitting your application.

How to apply for the Comfama housing subsidy step by step?

To apply, first validate your membership and choose the modality, and then submit the form and documents through the official Comfama channel for review and allocation. Having a clear order avoids the back-and-forth of paperwork that causes many families to give up.

The route, in order:

1. Verify your membership and that contributions are up to date at Comfama.
2. I chose the option depending on what you're going to do: buy new, buy used, build on your lot, improve the one you have, or cover the rent in the meantime.
3. I gathered the documents: Identity of the adults in the household, current employment or income certification, credit support, contract or ownership of the lot according to the modality, and proof of your own resources (savings or severance pay).
4. Submit the form and documentation through Comfama's official channels: their offices, mail, or website.
5. Wait for the study and the allocation and check the result through the same channel.

If you're going to use your severance pay as part of your savings, first check the rules of severance pay to buy a home, Because withdrawals have their own process with the fund. And if what you need right now is to cover rent, check how the [unclear] works. rental subsidy in Colombia.

Can it be combined with Mi Casa Ya or other subsidies?

Yes, with rules. The housing fund subsidy can be combined with the national subsidy to lower the final cost of the home, but each program defines which programs it can be combined with and under what conditions, and this overlap is what generates the most objections. Before applying for two subsidies simultaneously, review the... Mi Casa Ya requirements and how it works concurrence of housing subsidies, and confirm it with Comfama and with the entity of the other program.

And if you're still trying to understand the general workings of the boxes before choosing a specific one, start with How does the housing subsidy from the compensation fund work?.

How Hepacom accompanies you

We work from Itagüí, in the heart of the Aburrá Valley, supporting families in Antioquia who approach these processes afraid to ask questions and with the feeling that the paperwork is designed to discourage them. If you're preparing your application for Comfama and don't know where to start, write to us at donaciones@hepacom.org or from contact usWe offer free guidance on what to check and what to ask at the checkout. Access to decent housing shouldn't depend on knowing the order in which to submit paperwork. However, the subsidy is reviewed, allocated, and distributed by Comfama. Hepacom does not charge fees, process applications, or receive payments for this service.

Frequently Asked Questions

How much do I need to earn to qualify for the Comfama housing subsidy?
To purchase a home, household income must be equal to or less than four current monthly minimum wages (categories A and B). The contribution is higher the lower the household income.

Does Comfama offer subsidies for building on my own lot?
Yes. In addition to the purchase of new and used housing, Comfama offers the option of building on one's own land, which is very common in the subregions of Antioquia, provided that the household owns the land.

Does the Comfama subsidy apply if I live outside of Antioquia?
Comfama is the compensation fund for Antioquia. If you live and work in another department, look for the fund you're affiliated with there: the general mechanism is similar, but the amounts and schedules are defined by each fund.

Does the Comfama subsidy count towards the Mi Casa Ya subsidy?
You can combine it with the national subsidy under certain conditions. Review the requirements of each program and confirm the combination with Comfama and the national subsidy provider before applying for both.

Last updated: July 2026. Information guide. The procedure is carried out by the official entity. Sources: Comfama — housing subsidy y Superintendency of Family Subsidies. Amounts, requirements, and schedules change depending on the validity period: always check with your bank's official channel. Hepacom does not collect or manage payments or procedures.