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New mortgage option lets homebuyers use Bitcoin or USDC as collateral for down payments without selling crypto.

Market News
27 Mar 2026
Blockonomi
View Source
Bullish
pluang ai news

Fannie Mae, Coinbase, and Better Home & Finance have launched a mortgage product allowing buyers to use Bitcoin or USDC as collateral for down payments instead of selling their crypto holdings. This dual-loan system combines a traditional Fannie Mae mortgage with a crypto-backed loan, helping buyers avoid capital gains taxes from selling crypto. Interest rates on the crypto loan may be up to 1.5% higher than conventional mortgages. The program follows a 2025 FHFA directive to integrate cryptocurrency into mortgage lending and aims to help crypto investors enter the housing market without liquidating assets.

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