A federal housing program
My Home, My Life is a Brazilian federal housing program established in March 2009, during Luiz Inácio Lula da Silva’s second administration. Its purpose is to make housing more accessible through different forms of support, including the construction of subsidized homes and home financing.
In practical terms, the program seeks to expand homeownership options for families who may have difficulty accessing the housing market. Support can involve subsidies or financing conditions, depending on the program’s modality and the family’s income bracket. The federal government and the state-owned Caixa Econômica Federal are identified as participants in its financing.
Who can be served
The conditions vary according to household income and the form of assistance. The available description says that, in urban areas, the program serves families with gross monthly income of up to R$13,000, with different conditions for different income brackets. This limit does not mean every household receives the same subsidy or financing terms: the applicable modality determines how assistance is provided.
The program is therefore not a single loan with identical rules for everyone. Income bracket and type of assistance affect how a household may access housing, whether through subsidized homes or home financing. Determining which conditions apply requires checking the current rules and the criteria for the relevant modality.
Changes in name and program continuity
The program underwent an institutional change in 2021, when Law No. 14,118 took effect and established Casa Verde e Amarela, with the stated aim of reforming and expanding housing policy. In 2023, the name My Home, My Life was restored, first through a provisional measure. Law No. 14,620, dated July 13 of that year, subsequently set out the program and repealed provisions of the 2021 law.
This history helps explain why information about the program may appear under different names and in accounts of different periods. Its central purpose, however, remains housing access: it uses forms of assistance that include subsidized home production and financing, with conditions tied to income and the type of support.