You do not need a traditional 20% down payment to purchase a home. Several government-backed loan programs feature low down payment requirements and flexible credit guidelines:
To bridge the gap between your income and rising home prices, look into secondary assistance options: buying a home on social security
There are no asset limits for SSDI or retirement benefits. You can have money saved up for a down payment in a bank account without risking your monthly check. You do not need a traditional 20% down
Groups like Habitat for Humanity or local community land trusts frequently assist individuals on fixed incomes to secure safe, affordable housing. Exceptions to SSI income and resource limits | SSA buying a home on social security