Requirements for housing subsidies: what housing subsidies in Colombia require

Last updated: September 2026

Almost all the families who write to us asking about a subsidy start with the same question: the name of the program. Is Mi Casa Ya still running? Has Casa Milagro opened yet? But the name changes with each government, and the requirements for housing subsidy Hardly. housing subsidies in Colombia They've followed the same basic rules for years: how much the household earns, whether anyone already owns a home, whether they've already received a subsidy, and how they're going to cover the rest of the money. If your family meets those criteria, they're already halfway there, regardless of the program available.

Here we organize those conditions, which routes receive applications in September 2026 and where to request each one.

What are the requirements for housing subsidies in Colombia?

To apply for a family housing subsidy, the household must have a total income of up to 4 minimum wages per month (2 if it is for rent), not own a home in the country, not have previously received a subsidy that has been applied and demonstrate how it completes the value of the house.

These rules are not from a call for proposals: they are in Decree 1077 of 2015, the single decree for the housing sector, which can be read in full at the Public Service Regulatory Manager. Each program adds its own conditions, but none of them ignore these:

• Household income. The amounts for everyone living in the house are included, not just the person signing. The limit is 4 minimum wages; 2 for rentals.
• No one in the household owns the property. For purchase or rental purposes, no member may own a home in any municipality in the country.
• Not having received a subsidy before. If someone in the household has already received a subsidy or interest rate coverage, they generally cannot reapply. There are exceptions, listed below.
• Financial closing. The subsidy is a supplement. The rest comes from savings, approved credit, or other resources, and the decree includes contributions from municipalities and donations from non-governmental organizations.
• Application for the entire household. It is signed by all adults.

Prior savings are mandatory, except for households with incomes below two minimum wages, for whom it is voluntary. It still contributes to the score.

Which housing subsidies in Colombia are still available today?

This is what official sources say as of September 21, 2026.

My House Now (New Housing Family Subsidy). The page of Ministry of Housing It says that applications are ongoing, at the bank, cooperative, or savings bank of your choice. The same board shows the 8,672 slots for 2025 fully allocated and 762 pre-assigned for 2026, as of January 27. The opportunity exists, but slots are very limited: ask at your bank before applying for the subsidy. Its specific requirements are listed in Mi Casa Ya requirements.

Compensation funds. They are still in effect and are the busiest route if someone in the household is affiliated. Each fund opens its application periods and sets its amounts: check the housing subsidy from compensation fund.

My Miracle House and the new programs. On September 9, the Minister of Housing announced before the Senate My Miracle Home, Improve Your Home, Improve Your Life, My Rural Home, Colombia Country of Owners and Territorial Wellbeing, with one line of description each. Today none of them have published requirements, amounts or registrations. We follow him on Miracle House.

If someone offers to register you, be suspicious: on September 14th the Ministry warned about the fake program "My Mobile Home"«, which charges for processing paperwork on your behalf. Applying for a subsidy is free.

How to obtain a housing subsidy step by step?

Many families start with the subsidy and then struggle with the loan. For the Mi Casa Ya program, the Ministry outlines this order:

1. You choose a new social interest housing (VIS) or priority housing (VIP).
2. You go to the bank, cooperative or compensation fund of your choice and apply to the program right there.
3. That entity performs an initial verification of requirements on the program platform.
4. If you meet the requirements, apply for your mortgage or housing lease.
5. The entity uploads the property appraisal and the current credit approval letter.
6. The Ministry reviews the documents and informs you and the entity of the result.
7. The entity requests the allocation and, if the household meets all the requirements at that time, Fonvivienda issues the resolution that assigns you the subsidy.

With the housing funds, you apply within the application period opened by your fund. To combine both subsidies for the same house, you first obtain the one from the fund and, with that subsidy still valid and unused, you apply for the government subsidy: it's the concurrence of housing subsidies. And before anything else, do the math on the down payment to buy a home.

What excludes you even if you meet the requirements?

The decree has an entire article on disqualifications. The most common ones we see are: income above the limit, someone in the household who owns property (sometimes an inherited house in another municipality), and a previous subsidy in the name of someone in the household.

There are exceptions to that last one. You can reapply if the previous subsidy was for home improvements; if it was for purchasing a home, the new subsidy is also for home improvements and at least 10 years have passed; or if the home was destroyed or rendered uninhabitable by a disaster, calamity, or emergency, or was seized during the armed conflict. If your house collapsed in the August 10th earthquake, see the housing assistance for earthquake victims. If you've already been rejected, check Why was my grant application rejected?.

Where do I apply for each housing subsidy?

Each route has a distinct entity and a condition that carries more weight than the others. This table helps determine which door to knock on first:

Prepared by Hepacom using Decree 1077 of 2015 (Public Function) and the website of the Family Subsidy for New Housing of the Ministry of Housing, consulted on September 21, 2026. Amounts and quotas change by validity: confirm them with the entity before applying.

If your house already exists and needs repairs, the route is different: it's in our guide to home improvement. If you have a lot and want to build, take a look at the construction subsidy on own site.

Common mistakes when applying for a housing subsidy

• Count only the salary of the person who signs. The limit is based on the total household income. A child who works and lives at home counts, and can push you out of the income bracket.
• Forgetting a distant property. An inherited house or a plot of land in the name of someone in the household, in any municipality, is enough to get you rejected in the purchase modality.
• Paying a fixer. Applications are free and can be submitted at the bank, cooperative, or savings bank. No one has a quota for selling.

Frequently asked questions about housing subsidies in Colombia

How much is the housing subsidy?

In the Mi Casa Ya program, according to the Ministry, households in the Sisbén categories A1 to C8 receive 30 minimum wages for the down payment, and those in categories C9 to D20 receive 20. With multiple beneficiaries, the total can reach up to 50: 30 from the savings bank and 20 from the government. The savings banks set their own amounts.

Do I need to be registered in the Sisbén system to apply for a housing subsidy?

For Mi Casa Ya and the concurrent program, yes: Sisbén IV between A1 and D20. At the checkouts, the conditions are defined by each one. Check the Sisbén groups for subsidies.

Can I apply for a subsidy if I already own a home?

No, not for buying or renting. There might be a way to improve what you already have, because that restriction doesn't apply to improvements. If you're renting, check the rental subsidy.

Does Hepacom provide government subsidies?

No. We are a foundation. We guide families and carry out decent housing projects with donor resources.

What if your family doesn't meet the requirements or the subsidy isn't enough? That's how Hepacom supports you.

There are families who earn slightly above the income limit, others with no one affiliated with a pension fund, and still others who receive the subsidy but can't complete the construction. Waiting for the next round of funding won't fix the leaky roof. At the Hechos Para la Comunidad Foundation (Hepacom), we work in this area: from Itagüí, we support vulnerable families in building and improving their homes. decent housing, with donors and volunteers. We don't replace the State: we complement it when official aid doesn't arrive or falls short.

If you don't know where to start, write to us at donaciones@hepacom.org or visit our website contact. We help you understand which path fits your case and, if it's within our power, to join a project. Hepacom does not apply for subsidies, does not charge for guidance, and does not manage payments for any program.

Last updated: September 2026. Information guide. The procedure is handled by the official entity. Verify through the official channel before taking any action. Hepacom does not collect or process payments.