Buying A Home Inside A Special Needs Trust For An Adult Child: The Name On The Deed Decides The Benefits 🏠
A parent decides their adult special needs child is ready for a place of their own. Then comes the question almost nobody asks until the contract is being drafted: whose name goes on the deed?
If the answer is the child's name, and they receive SSI and Medicaid, the family has stepped into a problem. The home can qualify as an exempt residence, but everything around it gets harder, selling it later, managing it, protecting it. The cleaner answer is that the home never touches the child's name at all. A third-party special needs trust, funded by the parents, buys the home and holds the deed. The child lives there, and the $2,000 asset limit that keeps SSI and Medicaid in place stays untouched.
Then there's the mistake that shows up after closing. The purchase itself costs one month's reduction at most, about $351 in 2026. The monthly carrying costs are the real trap. When the trust pays the mortgage, taxes, insurance, or utilities, Social Security cuts the SSI check by up to that same $351 every month it happens. How those costs get paid is a structure decision an attorney sets up before the purchase.
If you're thinking about buying a home for your adult child, I can connect you with an estate attorney from my trusted partner network and handle the real estate side myself. Reply or text me at (305) 401-6224. And if you know a family planning the same move, forward them this newsletter before they write the offer.
Victor Antunez
Real Estate Professional 🔑 Autism Dadvocate
PS. If buying or selling a home is on your mind, and you want to talk it through, text or call me at (305) 401-6224
PSS. Nothing means more than a real estate referral. If someone comes to mind, please send them my way.