Disclaimer: This article is informative content and has no connection with government agencies. For official information, visit: gov.br.
Minha Casa Minha Vida is the largest housing program in Brazil and returned with full force in 2025, with new rules and more possibilities.
If you dream of owning your own home, the first step is to understand whether you are entitled to the benefit.
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In this comprehensive guide, we will show you who can participate, what income ranges are accepted, and what is needed to guarantee your place in the program.
Who is entitled to Minha Casa Minha Vida in 2026?
To participate in the program, you must meet the criteria defined by the Federal Government. The main requirement is related to monthly family income, which must fall into the ranges below:
🟢 Track 1
- Family income of up to R$2,640
- Higher government subsidy (up to 95%)
- Reduced monthly installments
- No entry required
This range is aimed at the most vulnerable families and the selection is made by city halls, through registration and lottery.
🟡 Track 2
- Family income between R$2,640.01 and R$4,400
- Partial subsidies
- Reduced entry possibility
- Financing facilitated by Caixa
🔵 Track 3
- Family income between R$4,400.01 and R$8,000
- No government subsidy, but with interest rates lower than the market
- Ideal for middle-class families looking for easy conditions
Other requirements to participate
In addition to the income range, the candidate must meet the following criteria:
- Be over 18 years old or be legally emancipated;
- Do not have your own property in your name;
- Not having benefited from another housing program;
- Be registered with CadÚnico, especially for those in Track 1;
- Live or work in the city where you want to buy the property;
- Have the ability to pay, especially in Tracks 2 and 3 (credit analysis carried out by the bank).
Who gets priority?
Some groups receive priority in the selection process, especially in Track 1:
- Women heads of households;
- Families with people with physical or intellectual disabilities;
- Elderly;
- Families in situations of social risk or housing vulnerability;
- Families living in risk areas or in improvised housing.
How is income proof provided?
Proof of income varies according to the person's occupation:
- Salaried employees with a formal contract: present payslips, work card, declaration from the employer.
- Self-employed or informal: present a self-employed declaration, bank statements, contracts or service receipts.
- MEIs (Individual Microentrepreneurs): present MEI billing statement and corporate or personal account statements.
Can I buy any property with the program?
No. The property must meet the program requirements, such as:
- Being new or in the works;
- Be in a regularized urban area;
- Have a sales value within the permitted ceiling (up to R$ 264 thousand in capital cities, which may vary by state and city);
- Have registration with a notary and regular registration.
How does the selection in Track 1 work?
Families in Track 1 are selected through registration with the city hall or the Municipal Housing Department.
The process may involve registration, social interviews and public raffles.
It is important to pay attention to public notices and notices in your city, as the number of available units and waiting times vary depending on local demand.
Frequently Asked Questions
1. I have a bad name. Can I participate?
Yes, in Track 1 the negative name does not prevent participation. In Tracks 2 and 3, a clean name may be required, as there is a credit analysis.
2. Can anyone who rents participate?
Yes, the program is aimed at people who do not have a property in their name. Living on rent or in precarious conditions is a factor that reinforces the right to the benefit.
3. Can I use my FGTS on Minha Casa Minha Vida?
Yes. The FGTS can be used to make a down payment, amortize installments or pay off part of the outstanding balance, as long as the fund's rules are met.
Does it meet the criteria? So start now!
Knowing whether you are entitled to Minha Casa Minha Vida is the first step towards achieving your own home.
If you fall into one of the ranges, look for CRAS or a Caixa Econômica Federal branch, depending on the range you are in.
For official information, access the Ministry of Cities page –Minha Casa Minha Vida.
With the right registration and documentation up to date, you can be closer to leaving rent and having your own home!