Unmarried Couples Buying A House May 2026

Applying for a mortgage jointly can increase your buying power, but it also carries shared risks.

To help you move forward, do you have a specific in mind or a target budget ? Knowing your area can help determine which local property laws or first-time homebuyer programs might apply to you. What unmarried couples buying a house together need to know unmarried couples buying a house

: Agree on how to split monthly costs like the mortgage, taxes, utilities, and maintenance (e.g., 50/50 or proportional to income). 2. Choose the Right Title Structure Applying for a mortgage jointly can increase your

How you hold the "title" determines legal ownership and what happens if one partner dies. What unmarried couples buying a house together need

: Lenders typically use the lower of the two credit scores to set interest rates. If one partner has poor credit, it might be better for the other to apply alone.