---
title: "Can I co-sign and still buy a home?"
description: "Answer to: Can I co-sign and still buy a home?"
url: https://homes-support.padzilly.com/en/articles/86-can-i-co-sign-and-still-buy-a-home
collection: "Home buying Tips"
updated: 2026-02-13
language: en
alternates: [es]
---

# Can I co-sign and still buy a home?

Answer to: Can I co-sign and still buy a home?

Possibly. If you co-sign for someone, that debt may count in your DTI calculation. However, if the primary borrower has been making payments independently for a sufficient period, there may be ways to exclude it. Co-signing doesn’t automatically eliminate your ability to buy — but it does require evaluation. Before co-signing anything while planning to purchase, it’s smart to run the numbers first.

Please consult your Mortgage Advisor for guidance specific to your situation before making changes.