How to Buy a Home in the U.S. as a Non-U.S. Citizen

Anyone may buy and own property in the United States regardless of citizenship. Historically, there have been no general laws restricting foreign citizens from owning or purchasing homes. Many foreign nationals buy vacation homes and invest in property such as apartments, condos, single-family homes, and business properties. As of 2026, about 36 states, including Florida, Texas, and Ohio, have passed new laws that restrict land purchases for non-citizens near military bases or farms. Buying is straightforward when paying cash. When cash is not available, obtaining a mortgage loan is the most challenging step, and mortgage pre-approval early in the process is important.

"Anyone may buy and own property in the United States, regardless of citizenship. Historically, there have been no laws or restrictions that prevent an individual of any foreign citizenship from owning or buying a home in the U.S. However, as of 2026, about 36 states including Florida , Texas , and Ohio have passed new laws that restrict land purchases for non-citizens near military bases or farms."

"In fact, many foreign nationals purchase vacation homes in the United States, and there are many wealthy foreign investors who purchase investment property such as multi-unit apartments or condos, single-family homes, and even business properties such as shopping malls. So whether you're a new resident searching for a two-story home for you and your household, or an investor with interest in vacation property, there are several resources and options available to you."

"Buying a house in the U.S. as a non-U.S. citizen is simple if you plan to pay in cash - or have all the money saved to buy the home in one lump sum. If you're not in the financial position to be able to purchase a home with cash, you'll need to obtain a mortgage loan to purchase property. Getting a mortgage pre-approval early in th"

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