Can I buy a home on just one income?

Yes — buying solo on a single income is common and entirely doable; you simply qualify based on your own income, credit, and debts. The main difference is buying power: one income usually means a smaller loan amount, so you may shop in a lower price range or a more affordable area. Because you don't have a second income as backup, a solid emergency fund matters even more — aim for several months of full housing costs so a job loss or big repair doesn't put the home at risk. Keep your debt-to-income ratio comfortable rather than maxing it out, since one paycheck leaves less margin. First-time buyer programs, low-down-payment loans, and down-payment assistance all apply to single buyers. Don't let lenders' maximum approval define your budget — buy a payment you can sustain alone. Find your responsible number at wealthserene.com/tools/home-affordability.