How to Check Your Housing Subaccount Balance (Infonavit)

Every two months, your employer deposits a portion of your salary into a savings account that many workers have but few ever check: your INFONAVIT Housing Subaccount (Subcuenta de Vivienda). That money can become the down payment on your home, be added to your mortgage loan, or even be paid out to you when you retire. In this updated guide, we explain step by step how to check your balance through Mi Cuenta INFONAVIT, what that number means, and how to make the most of it. Because the Institute's rules and screens can change, we always recommend verifying the information on the official portal.

What is the Housing Subaccount?

The Housing Subaccount is an individual savings pool in your name within the INFONAVIT system. It is built from the contributions your employer deposits every two months, equal to a percentage of your salary (traditionally 5%). That money is yours and keeps accumulating while you work in the formal sector.

The balance in this subaccount serves two main purposes: it can be added to your mortgage loan or used as a down payment when you buy a home, and, if you never take out a loan, it can be paid out to you when you retire. That is why it pays to check it regularly and understand how much you have accumulated.

What you need before checking

Checking your balance is free and takes just a few minutes. To avoid any hiccups, have the following on hand:

• Your Social Security Number (NSS, Número de Seguridad Social), 11 digits long.
• Your CURP.
• A valid email address you can access.
• A cell phone to receive verification codes.
• Ideally, your Mi Cuenta INFONAVIT password if you have registered before.

If you don't remember your NSS, you can get it on the IMSS website using your CURP. Make sure your personal details are correct, since a mistake in your NSS or CURP can prevent the system from displaying your information.

How to check your balance on the website

The most common way to review your Housing Subaccount is from a computer, through the official website. Follow these steps:

1. Go to Mi Cuenta INFONAVIT.
2. Register with your NSS and email, or log in if you already have an account.
3. Verify your identity with the code sent to your email or phone.
4. On the main dashboard, look for the section for your savings or Housing Subaccount.
5. Review your accumulated balance and, if the system allows it, download your statement.

The exact name of each section may vary depending on website updates. If you don't find the information right away, explore the menu options related to "savings" (ahorro), "my loan" (mi crédito), or "account summary" (resumen de cuenta), and check any questions directly on the official portal.

How to check your balance in the app

The Institute also offers a mobile app so you can check your information from your phone. In general terms, the process is very similar to the website:

1. Download the official INFONAVIT app from your phone's app store.
2. Log in with the same credentials you use for Mi Cuenta INFONAVIT.
3. Verify your identity if the app asks you to.
4. Go to the section for your savings or Housing Subaccount to see your balance.

Before downloading, confirm that it is the official app to protect your data. If you are unsure which app is the right one, check the links published on the Institute's website.

How your balance is used as a down payment

One of the most valuable uses of your Housing Subaccount is applying it toward a home purchase. When you use your INFONAVIT loan, your accumulated balance is typically added to the amount the Institute lends you, which reduces the amount you need to finance or pay out of pocket.

This is especially useful in combined arrangements with a bank, such as Cofinavit, where your savings can serve as part of the down payment. A larger balance can bring you closer to a higher-value home or lower your monthly payment.

Before taking any step, it helps to know how much credit you could get. Check out our guide on how many INFONAVIT points you need and do your pre-qualification step by step to find out your estimated amount.

Withdrawing your balance upon retirement

If you never used an INFONAVIT loan during your working life, the balance accumulated in your Housing Subaccount is not lost. When you apply for your pension, that money can be returned to you as part of your retirement funds.

The procedure and requirements for this withdrawal depend on your particular situation and current regulations. So if you are close to retiring or want to claim a balance, it is best to confirm the exact process directly with the Institute and your Afore.

Difference between the Housing Subaccount and the Afore

It is common to confuse the Housing Subaccount with your Afore, because both appear on your retirement account statements. However, they serve different purposes:

• Housing Subaccount: managed by INFONAVIT and intended for housing; it is used toward your loan or paid out to you upon retirement.
• Afore (retirement): managed by a retirement fund administrator (Administradora de Fondos para el Retiro) and intended for your pension.

Although the housing balance is usually reflected on the statement issued by your Afore, the main source for reviewing those savings remains Mi Cuenta INFONAVIT. Check both accounts to get a complete picture of your savings.

Frequently asked questions

Does it cost anything to check my balance?

No. Checking is free, both on the website and in the official app. Never pay a third party to review your own balance.

How often is my balance updated?

In general, the balance increases every two months as your employer remits the contributions. If you notice it isn't growing, check that your employer is making the deposits correctly.

Can I withdraw the balance whenever I want?

Not freely. The balance is tied to housing or to your retirement, according to the Institute's rules. Confirm the conditions that apply to your case on the official portal.