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SUMMARY
No. Mi Casa Ya is not available to normal new applicants right now, even though the program still exists and some previously accepted households are still receiving subsidies.
The easiest way to get this wrong is to confuse administrative activity with a reopening. Fonvivienda is still issuing Mi Casa Ya resolutions in 2026, but those batches are tied to households that entered the system earlier.
The old program has shrunk dramatically in scale. Mi Casa Ya once worked around a 50,000-subsidy annual ambition; the current national system is operating in the low thousands or hundreds depending on which stage of the pipeline is measured.
Colombia has not stopped subsidizing home purchases. It has shifted toward a narrower new-home subsidy framework that depends much more on specific projects, budget availability and targeted household profiles.
That makes the property itself almost as important as the buyer. A household can meet the Sisbén and ownership requirements and still find that the home it wants is outside the projects that can receive support.
The newer support is also not a full financial replacement for classic Mi Casa Ya. The old program could combine a 20- or 30-minimum-wage purchase subsidy with four or five percentage points of mortgage-rate relief for seven years.
The interest-rate piece is one of the biggest losses for affordability. A direct subsidy helps at closing, but cheaper mortgage payments during the first seven years can change the monthly budget much more than buyers sometimes realize.
Local and Caja de Compensación subsidies now matter more. In strong concurrency cases, national support can still be combined with a caja benefit, while Bogotá, Antioquia, Atlántico and other territories have become more important sources of housing assistance.
The housing-finance data fit the same story. Total financing held up in 2025 largely because leasing grew strongly, while traditional mortgage-financed purchases and new-home financing were weaker, especially in subsidized VIS.
For a buyer starting today, the practical rule is simple: do not budget as if classic Mi Casa Ya will appear later. The exact subsidy, project eligibility, mortgage approval and fallback plan should all be confirmed before signing the purchase.
Mi Casa Ya could return in a stronger form under a future government, and the construction industry is already pushing ideas such as a “Mi Casa Ya 2.0.” For now, though, the broad national program buyers remember is effectively closed to new entrants.
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Is Mi Casa Ya still open to new applicants in Colombia?
No. Mi Casa Ya still exists in Colombia, but a household starting from zero currently cannot submit a normal new application to the original program.
The clearest evidence comes from the Fondo Nacional del Ahorro. Its Mi Casa Ya page, updated very recently, still says that new applications have been suspended under Fonvivienda’s Circular 0012 and that the authorized platforms remain disabled for initial registration and subsidy assignment.
That settles the practical version of the question. Someone who has never entered Mi Casa Ya cannot currently go to a lender, register for the old program and expect to join the subsidy queue as people could before the suspension.
Some official pages and recent government resolutions still mention Mi Casa Ya, which explains why searching online can give the impression that the program remains fully operational. Those references mostly concern households that entered the system earlier.
| Question | Situation today | What it means for a new buyer | Official evidence |
|---|---|---|---|
| Does Mi Casa Ya still exist? | Yes | The program has not been legally erased | Fonvivienda still issues Mi Casa Ya resolutions |
| Are new Mi Casa Ya applications open? | No | New households cannot enter normally | FNA says applications remain suspended |
| Are old cases still moving? | Yes | Some previously accepted households can still receive subsidies | 2026 Fonvivienda resolutions |
| Does Colombia still subsidize new homes? | Yes | Buyers need to look at newer subsidy routes | MinVivienda runs separate new-home subsidy mechanisms |
Why are people still receiving Mi Casa Ya subsidies if the program is closed?
Mi Casa Ya is still paying some households today because Colombia is finishing applications that were already in the pipeline before new entry was suspended.
Fonvivienda has kept publishing Mi Casa Ya resolutions throughout 2026. We found batches of 10 households in February, 29 and 35 in March, 11 in April, 54 and 25 in May, 10 and 23 in June, 26 and 5 in July, and another 21 in August.
Together, those identifiable batches account for at least 249 Mi Casa Ya subsidies.
There is an important detail in the wording of the resolutions: these households were “preasignados” under the preassignment system created by Resolution 101 of 2024. They had already entered Mi Casa Ya before the current freeze.
The latest batches show that Mi Casa Ya is still being administered. They do not show a general reopening. For a new buyer, a fresh Mi Casa Ya resolution is not the same thing as a fresh application window.
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What actually happened to Mi Casa Ya?
Mi Casa Ya went from a mass national housing subsidy with a roughly 50,000-a-year ambition to a much smaller system focused on finishing existing commitments.
At the start of 2024, MinVivienda was still promising 50,000 Mi Casa Ya subsidies for the year, with weekly assignments and government support for mortgage interest rates. That came after more than 52,000 subsidies had been assigned in 2023.
The funding picture then deteriorated quickly. Camacol estimated that the following year’s resources could initially cover only around 20,500 of the 50,000 subsidies the housing market had been expecting. The sector was also facing a major reduction in the national housing budget.
Fonvivienda eventually suspended new Mi Casa Ya applications under Circular 0012. Since then, the government has kept clearing previously committed cases while developing other ways to target housing assistance.
So this was a sharp break in scale, not a normal year-to-year adjustment.
| Period | Mi Casa Ya scale | What was happening |
|---|---|---|
| 2023 | More than 52,000 assignments | Program operating at mass national scale |
| 2024 initial target | 50,000 | Government still expected weekly large-scale assignments |
| Following funding outlook | Around 20,500 initially considered fundable | Budget pressure became much harder to ignore |
| 2025 new-home subsidies shown by MinVivienda | 8,672 assignments | National assistance had dropped far below the old Mi Casa Ya scale |
| 2026 Mi Casa Ya batches we identified | At least 249 legacy assignments through early August | Government mostly clearing preassigned cases |
Has Colombia replaced Mi Casa Ya with another housing subsidy?
Partly. Colombia now offers a Subsidio Familiar de Vivienda Nueva, but the current system is narrower and more targeted than the Mi Casa Ya most buyers remember.
MinVivienda still supports the purchase of new VIS and VIP homes for vulnerable households. The familiar eligibility conditions remain: households generally need a Sisbén IV classification between A1 and D20, cannot already own a home, cannot usually have received another housing subsidy, and need an approved mortgage or housing lease.
The government also created a newer acquisition strategy under Resolution 0730. MinVivienda explicitly introduced that strategy in a context of “budget limitations.”
Instead of opening one large national pool that follows qualifying buyers across much of the VIS market, Resolution 0730 works through calls that first select eligible housing projects. Households connected to those projects can then be considered for subsidies.
That is a meaningful change. The current system is better understood as a successor to part of Mi Casa Ya’s purpose, not Mi Casa Ya continuing unchanged under another label.
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How much smaller is Colombia’s current housing subsidy program?
Much smaller. The current national new-home subsidy numbers are a fraction of the scale Mi Casa Ya was designed to reach.
MinVivienda’s current program dashboard records 8,672 new-home subsidies assigned for 2025. The old Mi Casa Ya annual benchmark was around 50,000.
That means the 2025 figure was roughly 83% below the former annual benchmark.
For 2026, the same ministry page shows 762 preassigned households. A preassignment is still one step short of a completed subsidy, so we should not count all 762 as final beneficiaries.
The comparison gives us the useful order of magnitude. Colombia has gone from discussing tens of thousands of Mi Casa Ya subsidies each year to current national figures measured in the low thousands or hundreds, depending on which part of the pipeline we look at.
| Measure | Number | Compared with old 50,000 benchmark |
|---|---|---|
| Old annual Mi Casa Ya ambition | 50,000 | Baseline |
| 2025 new-home subsidies assigned | 8,672 | About 83% lower |
| 2026 new-home subsidies preassigned | 762 | About 98.5% lower |
| 2026 Mi Casa Ya legacy assignments identified through early August | At least 249 | About 99.5% lower |
Can anyone with Sisbén get Colombia’s current new-home subsidy?
No. Having the right Sisbén classification can make a household eligible, but today that is only one part of the process.
For the general Subsidio Familiar de Vivienda Nueva framework, MinVivienda asks for a Sisbén IV classification between A1 and D20, no home ownership in Colombia, no previous national housing subsidy in most cases, no previous interest-rate subsidy, and an approved mortgage or housing lease.
The newer Resolution 0730 route adds another layer because the home itself has to sit inside an eligible project.
During the first project call, the government focused primarily on developments in municipalities classified in categories 3, 4, 5 and 6. Projects elsewhere could participate when the territorial government had provided the land.
A household can meet every personal requirement and still discover that the apartment it wants cannot use the subsidy. These days, checking the project is almost as important as checking the buyer.
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Is Colombia’s new housing subsidy worth as much as the old Mi Casa Ya benefit?
For many lower-income buyers, no. The newer subsidy can still be worth tens of millions of pesos, but old Mi Casa Ya could provide more help through a combination of purchase subsidy and cheaper mortgage payments.
Under classic Mi Casa Ya, households in Sisbén groups A1 through C8 could receive 30 minimum monthly wages toward the home. Households from C9 through D20 could receive 20.
Mi Casa Ya could also lower the mortgage rate for seven years. The benefit was five percentage points for qualifying VIP homes and four percentage points for VIS homes.
The newer Resolution 0730 strategy sets the new-home subsidy at up to 22 minimum monthly wages. When combined with certain other housing subsidies, Fonvivienda’s national contribution can be 20 minimum wages.
For a low-income household that could once obtain 30 minimum wages plus seven years of interest-rate support, the difference can be substantial.
| Benefit | Classic Mi Casa Ya | New Resolution 0730 route |
|---|---|---|
| Main purchase subsidy | 20 or 30 minimum wages | Up to 22 minimum wages |
| Maximum for lower-Sisbén household | 30 minimum wages | 22 minimum wages |
| National component with concurrency | 20 minimum wages | 20 minimum wages in qualifying cases |
| Mortgage-rate help | 4 or 5 percentage points for seven years | No equivalent rate benefit built into Resolution 0730 |
| Housing choice | Broad VIS/VIP framework | Depends on projects admitted to calls |
What happened to Mi Casa Ya’s mortgage interest-rate subsidy?
Mi Casa Ya’s old interest-rate support is one of the biggest benefits buyers can no longer assume they will receive through the newer national subsidy.
Classic Mi Casa Ya reduced mortgage rates by four percentage points for qualifying VIS homes and five points for VIP homes, generally for seven years.
That could be extremely valuable. A buyer was receiving help with the purchase price and then paying less interest during the expensive early years of the mortgage.
Funding those rate subsidies became a major problem during the Mi Casa Ya squeeze. Camacol estimated that more than 40,000 households across the 2024-2025 pipeline could lose the expected interest-rate coverage when resources tightened.
Resolution 0730 focuses on the direct purchase subsidy. We would not calculate affordability today using the old Mi Casa Ya combination unless a lender has confirmed that the household belongs to an earlier case where the coverage still applies.
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Can buyers use Colombia’s current subsidy anywhere in the country?
No. Current national housing assistance has become much more dependent on the location and the specific development a household wants to buy.
The first Resolution 0730 project list contained 37 eligible developments. We found projects in places such as Villa del Rosario, El Zulia, Caicedonia, Calarcá, Magangué, Apartadó, Baranoa, Pitalito, Puerto Tejada, Cereté and Tunja, along with several smaller municipalities.
That distribution follows the program design. MinVivienda prioritized municipalities in categories 3 through 6, while allowing projects in other municipal categories when the territorial government supplied the land.
A buyer in Bogotá, Medellín or Cali should be especially careful about assuming that the national subsidy can be attached to any VIS apartment.
Some large regions are filling part of the gap with local housing programs. Camacol has pointed to Bogotá, Antioquia and Atlántico as examples where territorial subsidies have helped support demand while national Mi Casa Ya assistance weakened.
The practical housing-subsidy map is now more fragmented. Where someone lives, where the project is located and which local programs exist can change the answer completely.
Are applications for Colombia’s new housing subsidy permanently open?
The official wording says applications can be permanent, but a buyer should not read that as “there is always money available.”
MinVivienda’s general Subsidio Familiar de Vivienda Nueva page describes applications as permanent through lenders, solidarity-economy institutions and compensation funds. Yet the same official dashboard shows all 8,672 places recorded for 2025 as already assigned, with none available on that dashboard.
For 2026, the ministry currently shows 762 preassignments rather than a broad pool of tens of thousands of unused subsidies.
The newer Resolution 0730 route makes the budget constraint even clearer. Its rules say assignments depend on the resources incorporated into Fonvivienda’s investment budget and existing budget availability. The first implementation also ran through a defined project and household submission window rather than an unlimited queue.
So “permanent applications” describes part of the administrative process. It does not guarantee that a qualifying household can obtain funded assistance for a particular purchase whenever it wants.
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Who is Colombia prioritizing for the new housing subsidies?
Colombia is currently concentrating scarce housing money more heavily on vulnerable households and selected projects.
Resolution 0730 does more than check whether someone falls inside Sisbén A1-D20. Its project-scoring system rewards developments serving groups the government particularly wants to reach.
Projects can score more highly when a meaningful share of their households includes victims of the armed conflict, female heads of household or people in lower Sisbén groups, among other criteria.
The location rules reinforce the same direction. Smaller municipalities get priority, while projects in larger municipalities generally need the territorial-government land condition to enter through that route.
This is a different philosophy from using one broad subsidy to stimulate VIS demand across the whole country. With less money available, the government is choosing where and for whom the subsidy should have the greatest social effect.
Can buyers still combine Colombia’s national subsidy with a caja de compensación subsidy?
Yes. For households that qualify, combining subsidies remains one of the strongest ways to make a VIS purchase work today.
Under the newer national framework, Fonvivienda can contribute 20 minimum monthly wages when its subsidy is applied concurrently with certain housing assistance from a Caja de Compensación Familiar or the Caja Promotora de Vivienda Militar y de Policía.
The Fondo Nacional del Ahorro also continues to explain that a household can combine the national contribution with as much as 30 minimum wages from a compensation fund when the applicable rules are met.
That can put the combined assistance around 50 minimum wages in a strong concurrency case.
The catch is that eligibility becomes more fragmented. A buyer may need the right income and Sisbén profile, an eligible project, membership in the relevant caja, an approved mortgage and enough remaining resources to reach financial closing.
| Source of help | Potential role | Main constraint | Why buyers should check it |
|---|---|---|---|
| National new-home subsidy | Helps fund VIS/VIP purchase | Budget and project eligibility | Can still cover a large part of the initial gap |
| Caja de Compensación Familiar | Additional purchase subsidy | Employment/affiliation and income rules | Can materially increase total assistance |
| Municipal or departmental program | Local top-up or separate support | Depends heavily on location | More important since national support shrank |
| Mortgage or housing lease | Finances remaining purchase | Credit approval and monthly affordability | Required for many subsidy routes |
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Did the Mi Casa Ya cuts actually make it harder to buy social housing?
Yes. Colombia’s housing-finance data show that the recovery has been much weaker for subsidized VIS buyers than the headline mortgage numbers suggest.
According to Camacol’s analysis of DANE data, 182,578 homes were financed in 2025, up 1.6% from the previous year. At first glance, that sounds healthy.
But the composition tells a different story. Leasing grew 46.9%, while mortgage-financed purchases fell 1.3%. New-home financing dropped 4.4% to 129,684 units. Camacol also found that VIS financing, especially subsidized VIS financing, fell considerably.
So more financing overall did not mean easier access for the households Mi Casa Ya was designed to help.
The construction side has also looked fragile lately. Camacol reported that new housing starts began 2026 with a very sharp drop, including a 73.1% contraction in VIS starts in the period it examined. A proposed change to VIS pricing rules also contributed to that specific early-year disruption, so we should not attribute the entire fall to Mi Casa Ya.
Still, the broader pattern is hard to miss: financing has held up better among buyers using leasing, used homes and non-VIS products, while subsidized social housing remains the weaker part of the market.
| Housing indicator | Recent movement | What the headline hides |
|---|---|---|
| All homes financed in 2025 | +1.6% | Growth came mainly from stronger segments outside subsidized VIS |
| Housing leasing | +46.9% | Leasing drove much of the improvement |
| Mortgage-financed purchases | -1.3% | Traditional mortgage purchases actually fell |
| New homes financed | -4.4% | 129,684 units financed |
| Subsidized VIS financing | Down considerably | Lower-income buyers remained under pressure |
| Early-2026 VIS starts | -73.1% in Camacol’s initial reading | Social-housing construction also started the year very weakly |
Could Mi Casa Ya come back properly?
Yes, a future government could revive Mi Casa Ya or create something close to it, but buyers have no good reason to budget for that possibility today.
The central obstacle is money. Restoring a program capable of reaching roughly 50,000 households per year, especially with interest-rate coverage, would require a much larger and more predictable national commitment than the current system has.
Camacol has already proposed a “Mi Casa Ya 2.0” for the next government. Its proposal would target subsidies more closely by household income and try to lower the fiscal cost.
That proposal is revealing. Colombia’s construction industry is openly arguing for a revamped Mi Casa Ya because the arrangements currently in place do not provide the same scale of demand support.
A political change could produce a much stronger housing subsidy again. Until the budget, eligibility rules and application mechanism actually exist, though, that possibility belongs in future policy discussions rather than a buyer’s current financing plan.
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What should a Colombian homebuyer do instead of waiting for Mi Casa Ya?
A Colombian homebuyer today should assume the old Mi Casa Ya subsidy is unavailable unless a lender or Fonvivienda confirms that the household already belongs to the existing pipeline.
For an existing preassigned Mi Casa Ya household, following the old case still makes sense because Fonvivienda continues to complete those subsidies.
A new buyer has a different route. We would first check Sisbén eligibility, then identify which current national new-home subsidy applies, verify whether the specific project can receive it, and check any Caja de Compensación Familiar benefit available to the household.
Local programs deserve much more attention these days as well. Depending on the city or department, they can partly replace assistance that used to come through the national Mi Casa Ya system.
The mortgage should be checked early rather than at the end. MinVivienda’s current new-home subsidy rules require an approved and valid mortgage or housing lease, so someone can qualify socially for help and still fail to close the purchase if the financing does not work.
Most importantly, we would not sign a purchase on the assumption that a subsidy will appear later. The developer or lender should be able to name the exact subsidy, show why the project qualifies and explain what happens to the purchase if the expected money never gets assigned.
So, is Mi Casa Ya still available right now?
No for a new applicant. Mi Casa Ya still exists and continues paying some previously accepted households, but the original program remains closed to normal new applications today.
That clears up most of the confusion.
The Fondo Nacional del Ahorro still states that new Mi Casa Ya applications are suspended. At the same time, Fonvivienda has continued issuing small 2026 subsidy batches to households preassigned under the old system. As seen above, we identified at least 249 such assignments through early August.
Colombia also continues to subsidize new VIS and VIP purchases through newer mechanisms. Those programs have tighter project selection, depend heavily on available budgets and do not reproduce the full combination of purchase subsidy and mortgage-rate support that made classic Mi Casa Ya so valuable.
Scale makes the change especially clear. Mi Casa Ya once operated around a 50,000-subsidy annual ambition. MinVivienda shows 8,672 new-home subsidies assigned for 2025 and 762 preassigned for 2026. Whatever terminology appears on government webpages, buyers today are dealing with a much smaller housing-support system.
For someone beginning a home purchase now, we would treat classic Mi Casa Ya as unavailable. Existing beneficiaries may still receive what was previously reserved for them, and new buyers can still find national, local and caja subsidies, but relying on “Mi Casa Ya” as the broad national program of a few years ago would give a false picture of what is actually available.
| Final question | Answer today |
|---|---|
| Does Mi Casa Ya still legally exist? | Yes |
| Can a new household normally apply to classic Mi Casa Ya? | No |
| Are old Mi Casa Ya cases still receiving money? | Yes |
| Does Colombia still offer new-home subsidies? | Yes |
| Do those subsidies fully replace old Mi Casa Ya? | No |
| Should a new buyer budget as if Mi Casa Ya is guaranteed? | No |
| Overall judgment | Classic Mi Casa Ya is effectively closed to new entrants, while a smaller and more targeted subsidy system continues around it |
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OUR METHODOLOGY
This analysis tests a practical question: whether Mi Casa Ya is still available to a Colombian homebuyer starting a new application today. Because the program can still exist administratively while new entry is closed, we separated new access, legacy cases, current subsidy scale, replacement mechanisms, benefit levels and housing-finance conditions instead of treating every reference to “Mi Casa Ya” as evidence of the same thing.
We gave the most weight to first-hand administrative sources. The main access check is the Fondo Nacional del Ahorro’s Mi Casa Ya page, which states that new applications remain suspended and points to Fonvivienda’s Circular 0012. We used the MinVivienda normative register to anchor that suspension in the ministry’s official regulatory record.
For the system that now sits around the old program, we used MinVivienda’s Subsidio Familiar de Vivienda Nueva dashboard and eligibility page, Resolution 0730 of 2025, and the official first-call project list. Those sources are used to distinguish a broad national buyer subsidy from the newer project-based route and to keep assignments, preassignments and project eligibility separate.
The old benchmark comes from MinVivienda’s 2024 Mi Casa Ya assignment announcement, which set out the 50,000 annual target, the 20- or 30-minimum-wage purchase subsidy and the four- or five-percentage-point interest-rate support. For concurrency, we used the FNA’s official subsidy-concurrency guidance.
Legacy activity was reconstructed resolution by resolution rather than taken from a secondary summary. We checked Fonvivienda’s 2026 Mi Casa Ya resolutions 0140, 0216, 0272, 0341, 0396, 0458, 0514, 0605, 0643, 0700 and 0787. Together, those identifiable batches total 249 assignments, and the wording of the resolutions ties them to households previously preassigned under the earlier system rather than to a new application reopening.
To place the policy shift in the housing market, we used DANE’s 2025 housing-finance bulletin for the underlying financing totals and Camacol’s financing analysis for the subsidized-VIS breakdown. We also used Camacol’s early-2026 construction note for the VIS-start decline, while keeping the separate VIS-pricing-policy effect in view rather than attributing that movement entirely to Mi Casa Ya.
The conclusion comes from convergence across these sources. New access is closed, legacy cases are still being processed, a smaller project-based subsidy framework continues, and the old combination of large-scale purchase support plus mortgage-rate relief is no longer something a new buyer can assume. That is why the article treats classic Mi Casa Ya as effectively unavailable to new entrants today even though the name and some administrative activity remain visible.
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