INFONAVIT Requirements to Buy a Home: Complete 2026 Guide

Buying a home with an INFONAVIT loan is one of the most important financial decisions of your life, and meeting the right requirements can mean the difference between a smooth process and months of delays. In this complete 2026 guide, we bring together all the requirements, documents and conditions you need to know before using your loan.

General requirements for an INFONAVIT loan

Before gathering paperwork, make sure you meet the basic conditions required by the Institute. These are the fundamental requirements:

• Have a current employment relationship and be contributing to the IMSS.
• Have the minimum number of points required (approximately 1,080 under current rules).
• Not have an active INFONAVIT loan at the time of application.
• Have your Social Security Number (NSS) correct and up to date.
• Have a bank account in your name for disbursement and payments.

If you don't yet know how many points you have, first check our guide on how many INFONAVIT points you need.

Documents you need to gather

Although much of the process is digital, you'll need to have on hand documents from yourself as well as from the seller and the property. Organize them ahead of time to avoid delays.

Types of INFONAVIT loans

The Institute offers different options depending on your needs. Knowing them helps you choose the one that best fits your situation:

Loan for a new or used home

This is the most common option: you use your loan to buy a house or apartment, either from a developer or from a private seller. You can browse options in houses and apartments.

Cofinavit

It combines your INFONAVIT loan with bank financing so you can access a larger amount. We explain it in detail in our Cofinavit guide.

Unamos Crédito

It lets you add your loan to that of your partner or a family member who also contributes. Ideal for increasing your buying power; see the details in Unamos Crédito for couples.

The step-by-step process

1. Check your pre-qualification and points in Mi Cuenta INFONAVIT.
2. Take the "Saber más para decidir mejor" workshop, which is required to release your loan.
3. Get your loan certificate (Constancia de crédito) and set your budget.
4. Search for and choose a home that meets the Institute's requirements.
5. Request the appraisal from an authorized appraiser.
6. Formalize the transaction before a notary public (notario público) and sign the deed (escrituras).

For details on the first stage, see our guide to INFONAVIT pre-qualification step by step.

Requirements the property must meet

Not just any property can be purchased with an INFONAVIT loan. The home must meet certain legal and technical conditions:

• Be free of liens and outstanding debts.
• Have a deed (escrituras) and be properly registered.
• Pass the appraisal at a value equal to or greater than the purchase price.
• Meet the minimum habitability standards.

If you're buying from a private seller, verify that the house "accepts credit" before falling in love with it. We explain how to identify them in homes that accept INFONAVIT loans.

Common mistakes to avoid

Frequently asked questions

Can I buy a used home with INFONAVIT?

Yes. The loan applies to both new and used homes, as long as the property meets the legal and appraisal requirements.

Do I need a down payment with an INFONAVIT loan?

It depends on the price of the home and the amount you're approved for. If the value exceeds your loan, you'll need to cover the difference with savings or a combined arrangement like Cofinavit.

How long does the whole process take?

It varies from case to case, but it usually takes anywhere from several weeks to a couple of months, depending on how quickly you gather your documents and on notary availability.

Can I use my loan to build on land I own?

Yes, there is an option for self-built housing. Check the specific conditions directly with the Institute.