Housing subsidies for the middle class in Chile: which ones exist and how to combine them

The housing subsidies for the middle class expanded in 2026. Chile's Housing Ministry (Minvu) created a new DS1 bracket for homes worth up to UF 4,000, and Law 21,836 raised the cap of the mortgage rate subsidy to UF 6,000. The UF (Unidad de Fomento) is Chile's inflation-indexed unit of account. These are the four state programs a middle-class family can use to buy a home.

DS1 bracket 21,600

DS1 bracket 32,200

DS19 (with DS1 bracket 3)3,000

DS1 4,000 bracket4,000

Rate subsidy6,000

Source: ChileAtiende, Minvu and Law 21,836

View the data as a table

DS1 bracket 2	1,600
DS1 bracket 3	2,200
DS19 (with DS1 bracket 3)	3,000
DS1 4,000 bracket	4,000
Rate subsidy	6,000

1. DS1 subsidy, brackets 2 and 3

The DS1 is the main one among the housing subsidies for the middle class. The state pays part of the price of a new or used home, and you cover the rest with your savings and, if needed, a mortgage. According to ChileAtiende:

	Bracket 2	Bracket 3
Social Household Registry	Up to 80%	Up to 90% (above that, with an income cap)
Maximum home price	UF 1,600	UF 2,200
Minimum savings	UF 40	UF 80
Average subsidy	UF 450	UF 270

The second call of 2026 runs from November 17 to 27. We explain the dates and requirements in our article on the DS1 subsidy.

2. DS1 subsidy, new 4,000 bracket

The 4,000 bracket is the big news of 2026. According to ChileAtiende, it provides UF 400 (about CLP 16.5 million) to buy new or used homes worth more than UF 2,200 and up to UF 4,000, with minimum savings of UF 200. It does not require savings account seniority, but you must be able to qualify for a mortgage. In the extreme regions, the cap reaches UF 4,500 and the subsidy UF 500 or 550. Applications also run from November 17 to 27.

3. DS19: social integration projects

The DS19 does not work through calls: these are housing projects built by public-private partnerships, where people with or without a subsidy can buy their first home. According to the Minvu's May 2026 brochure:

• You apply year-round, directly with the company in charge of the project (the "developer"). Projects are published at minvu.cl.
• Without a subsidy, you need a housing savings account and minimum savings of UF 40 (bracket 2) or UF 80 (bracket 3), plus the Social Household Registry.
• With a DS1 bracket 3 subsidy, you can buy homes worth between UF 1,800 and UF 3,000. The cap depends on the municipality and the project year.

4. Mortgage rate subsidy

The fourth of the housing subsidies for the middle class does not pay part of the price: it lowers your loan rate. Law 21,748, expanded by Law 21,836, sets a discount of up to 0.6 points on the rate for new homes, in their first sale, worth up to UF 6,000. It has 80,000 places and runs until May 31, 2028.

You do not have to apply: the bank handles it and you sign a simple sworn statement. On a UF 4,000 home with 20% down over 25 years, it saves about 1.07 UF a month, as we calculated in our article on the 4,000 UF subsidy.

How to combine the housing subsidies for the middle class

Some programs can be used together:

Combination	What it allows	Source
DS1 or DS19 + rate subsidy	6,000 rate subsidy places are reserved for first-time buyers of homes worth up to UF 3,000 who meet the DS1 or DS19 requirements	Law 21,748
DS1 + DS19 project	You can use your DS1 subsidy certificate to buy in a social integration project	Minvu
DS1 4,000 bracket + loan support	According to the Minvu, the mortgage subsidy through Fogaes helps reduce the payment and the income required	ChileAtiende

Before choosing, calculate how much you need to earn in each case: we explain it in our article on the income needed for a mortgage.

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