Conquering your own home has become even easier with the new rules of My House, My Life. Below, see the complete step-by-step guide to find the ideal property and secure financing with the conditions offered by the program.

1. Find out if you can participate

Before looking for a property, the first step is to confirm if your family income falls within the program’s ranges:

  • Range 1: up to R$ 2,850 per month
  • Range 2: between R$ 2,850.01 and R$ 4,700
  • Range 3: between R$ 4,700.01 and R$ 8,600
  • Range 4: between R$ 8,600.01 and R$ 12,000 (new range for the middle class)
These values apply to those living in urban areas. If you live in a rural area, the limits are calculated based on annual income. Tip: benefits such as Bolsa Família, BPC, sick leave, or unemployment insurance do not count towards the family income calculation.

2. Choose the type of property

My House, My Life allows financing for different types of properties, according to your income range:

  • New properties: ready apartments or houses, within the program’s value limits (up to R$ 350,000 in ranges 1, 2, and 3, and up to R$ 500,000 in range 4);
  • Properties under construction: units that are still being built and are part of projects approved by Caixa;
  • Used properties: in some cases, it is possible to finance used properties, as long as they meet the evaluation and safety criteria required by Caixa.
Tip: Properties from the program are usually advertised by municipalities, construction companies, and Caixa correspondents. Stay alert for housing fairs and official announcements on the Caixa Econômica Federal website.

3. Simulate financing

With the property in mind, the next step is to understand how much you can finance and what the installments will be. To do this:

  1. Access Caixa’s housing simulator.
  2. Provide your income, number of dependents, approximate property value, and the city where you wish to buy.
  3. The system will show the subsidy amount (if any), the total financed, and the estimated monthly installment amount.
Caixa WebsiteYou will be redirected to another site Tip: The simulator is free and can be used as many times as you want. It helps to adjust the property value to your financial reality.

4. Gather the necessary documentation

After choosing the property and confirming the approximate financing amount, you will need to present the documents for analysis:

Personal documents

  • ID and CPF;
  • Updated proof of residence;
  • Proof of income (pay stub, bank statement, or self-employed declaration);
  • Certificate of civil status (marriage, birth, divorce, or death);
  • NIS or CadÚnico number (for those who have it);
  • Income Tax Declaration (if applicable).

Property documents (if applicable)

  • Purchase and sale agreement or deed;
  • Updated property registration at the registry office;
  • Negative debt certificates (IPTU, INSS, among others).
Tip: Have all original documents and copies organized, as this greatly speeds up the analysis.

5. Go to a Caixa agency or Correspondent Caixa Aqui

With the documents ready, go to the nearest Caixa agency or an authorized correspondent. There, you can:

  • Present personal and property documentation;
  • Choose the type of financing (according to your range);
  • Simulate the credit again with the attendant, if necessary;
  • Receive guidance on deadlines, insurance, and fees.
Tip: For the lower ranges, the municipality may mediate the process and call the selected families. For the higher ranges (3 and 4), the process is direct with Caixa.

6. Credit analysis and property inspection

After submitting all the documents, Caixa will conduct a credit analysis to verify if you can take on the financing.

If the property is used or under construction, a technical inspection will also be conducted to confirm if it meets the standards required by the program.

This stage may take a few days, depending on the volume of requests and your region.

7. Signing the contract and releasing the credit

With the financing approved, you will be called to sign the contract — usually at a Caixa agency or at the property registry office.

After signing, the credit is released, and the property officially becomes yours. From then on, you start paying the monthly installments according to the chosen plan.

8. Monitor everything securely

After the contract is signed, you can monitor your financing information through the Caixa Housing app or directly on the Caixa website. There you can check bills, balances, payment dates, and much more.

Tip: Avoid intermediaries who charge fees to “speed up” your process. Caixa and municipalities do not charge for registration or analysis. The entire process is free and done through official channels.

Quick summary of the step-by-step

  1. Check your income range and if you can participate.
  2. Look for properties within the program’s limits.
  3. Simulate on Caixa’s website.
  4. Gather all necessary documents.
  5. Go to an agency or Correspondent Caixa Aqui.
  6. Wait for the credit analysis and property inspection.
  7. Sign the contract and realize the dream of homeownership!

Simulate your financing now

Access the official website of Caixa Econômica Federal and simulate for free the value of the installments, terms, and conditions according to your income.

Caixa WebsiteYou will be redirected to another site Information updated according to the rules of My House, My Life. Always consult official channels to verify any changes.