New Housing Purchase Grants in 2025: Requirements and How to Apply

Buying a home is one of the most important steps in many people’s lives, especially when it’s a first-time purchase. In 2025, both the central government and several autonomous communities have launched new support programs to make homeownership more accessible, particularly for young people and families. In this article, we’ll explain everything you need to know about the 2025 housing purchase grants: the types available, who can apply, and how to request them.

Why Are There New Grants in 2025?

Access to housing remains one of the major challenges in Spain. According to data from the Ministry of Housing and Urban Agenda, property prices have remained high in much of the country, especially in large cities. In response, the government has strengthened its support for groups facing the greatest barriers to homeownership: young people, single-parent families, people with disabilities, and those at risk of exclusion.

Moreover, 2025 marks the implementation of several programs that were announced last year but are now coming into effect.

Main Housing Purchase Grants in 2025

Here’s a summary of the grants available this year:

Grants for First-Time Homebuyers (Young People)

Some regions, such as Andalusia, Valencia, and Galicia, have launched their own housing support programs for young people in 2025, independently of the central government. These grants can cover between 10% and 20% of the property price, depending on the applicant’s income and the location of the property.

Check your regional housing portal to see which calls for applications are currently open.

Who Can Apply for First-Time Buyer Grants?

These grants are aimed at groups with limited access to housing. While each program has its own rules, some common conditions include:

• Being a legal resident in Spain.
• Not already owning another property (with exceptions for separation or unliquidated inheritance).
• Using the property as your main residence.
• Generally, being under 35 years old, having children, or being in a vulnerable situation.

ICO Guarantee Program for Young People and Families with Children

This program, which gained traction in 2024, is now firmly in place. It offers a public guarantee of up to 20% of the property’s price for those under 35 or families with dependent children who lack sufficient savings for the down payment.

Requirements:

• Age between 18 and 35.
• Individual income below €37,800/year (4.5 times the IPREM) or €75,600 for couples.
• Not owning another property.
• Property must be the habitual and permanent residence.
• Not having assets exceeding €100,000.

How to Apply:

The guarantee is requested through the bank handling the mortgage. The bank will manage the application with the ICO.

Grants for Buying in Rural or Depopulated Areas

Promoted through the 2022–2025 State Housing Plan, these grants are intended to encourage settlement in rural areas. In some regions, they can reach up to €10,800 per home.

Requirements:

• Be under 35 years old.
• Purchase in a municipality with fewer than 10,000 residents.
• Use the property as your main residence for at least five years.

Where to Apply:

At the housing department of your autonomous community.

How to Apply for Housing Purchase Grants in 2025

Although the process varies depending on the specific grant and your region, you’ll generally need:

• DNI or NIE
• Proof of residence (empadronamiento)
• Purchase agreement or formal commitment
• Proof of income (tax return, payslips)
• Statement declaring you do not own other property
• In some cases, a bank certificate for a pre-approved mortgage

Important: Many grants are awarded on a first-come, first-served basis until funds are exhausted. Gather your documents early and monitor application windows closely.

Is It Worth Applying?

If you’re considering buying and meet the criteria, the answer is yes. The 2025 home purchase grants can be the key to securing the financing you need. Not only do they reduce the initial investment, but they can also improve your mortgage terms by covering or guaranteeing part of the cost.

Practical Tips Before Applying

• First, check if calls for applications are open in your region.
• Carefully calculate your income and expenses to understand what kind of property you can afford.
• Talk to your bank about the ICO guarantee and make sure they know how to handle it.
• Stay alert to deadlines—some programs are only open for a few weeks.
• Double-check all your paperwork to avoid delays or rejections.

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