Good morning Skitjae 18,
All forms of Income that you will receive for at least the next three years can be considered when qualifying for mortgage financing. In the case of SSI and SSD, if the income is permanent that can be considered.
As to zero down payments, typically the only programs (apart from local down payment assistance programs in your state) that allow for ZERO down are the VA Guaranteed Loan (only for qualified Veterans of the Armed Forces) or the USDA First Time Buyer Loan (only available in US Census Bureau designated "rural" areas).
I recommend meeting with a Local Mortgage Banker to get thoroughly prequalified.
NMLS #40140... more
However, there are some programs--such as VA financing--that does 100% financing. Some states or cities will have special programs--often for certain designated areas--that also eliminate the need for a downpayment.
FHA only requires 3.5%.
Or if the house is offered with owner financing, the owner may be willing to sell without a downpayment.
Check with a lender in your area to see what programs might allow you to buy with no money down. And then keep in mind that owner financing (and some other creative financing techniques) also are possible. For the latter, find a Realtor who specializes in creative financing.
Hope that helps.... more
My experience these days suggests that you can get a mortgage if your parents are willing to gift you a
sum of money. Unless, of course, you have a large down payment on your own.
All the best,