Owning a house in the United States is not just a dream—it’s an achievable goal, even if you are a Ghanaian living in Ghana or already based in the U.S. In recent years, more Ghanaians have bought homes in cities like Columbus, Houston, Atlanta, and Charlotte, either for relocation, family, or investment purposes.
With the right guidance, legal documentation, and savings discipline, you too can own a home in the U.S. This article outlines everything you need to know—plus a checklist at the end—to start your journey toward owning your own property in America.
🇺🇸 Can Ghanaians Own Property in the U.S.?
Yes. You don’t need to be a U.S. citizen to buy a house. Ghanaians with legal residency, student or work visas, or even those living in Ghana can legally purchase property in the U.S. There are no restrictions on foreign ownership of residential real estate.
However, your immigration status will determine how easily you can access mortgage loans. If you’re not a U.S. citizen or permanent resident, you may need a higher down payment and some extra documentation.
Step-by-Step Process to Own a Home in the U.S.
Step 1: Decide Your Purpose and Budget
Ask yourself:
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Do you want to live in the house, rent it out, or hold it as an investment?
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Will you pay cash or use a mortgage?
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What’s your total budget (house price + taxes + closing costs)?
Homes in the U.S. range from $100,000 in affordable states to $500,000+ in major cities. Many Ghanaians target areas with lower property prices and growing rental demand.
Step 2: Get Your Financial Documents Ready
You will need:
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A valid Ghanaian passport
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An Individual Taxpayer Identification Number (ITIN) if you’re not in the U.S.
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U.S. bank account for transactions
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Proof of income: Pay slips, tax returns, or business income records
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Good credit score (for U.S.-based buyers seeking a loan)
If you’re in Ghana and paying cash, some lenders may require bank statements from Ghana and your source of funds.
Step 3: Get Pre-Approved for a Mortgage (If Needed)
If you plan to buy with a loan, getting a mortgage pre-approval is essential.
U.S.-based Ghanaians can access:
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FHA loans (low down payment)
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Conventional loans
Foreign buyers may be eligible for:
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Foreign National Loans (typically 30–50% down payment)
Tip: Use lenders who specialize in helping international buyers.
Step 4: Choose the Right City and Property
Some affordable and Ghanaian-friendly cities include:
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Columbus, Ohio
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Atlanta, Georgia
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Houston & Dallas, Texas
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Charlotte, North Carolina
Work with a reputable real estate agent, preferably someone who understands African communities. They’ll guide you to safe neighborhoods, schools, and homes within your price range.
Step 5: Make an Offer and Sign a Contract
Once you find a property, your agent will:
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Submit an offer to the seller
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Help negotiate the price
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Draft a purchase agreement
Once both parties sign the contract, the home is “under contract,” pending inspections and paperwork.
Step 6: Home Inspection and Appraisal
You (or your agent) will hire professionals to:
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Inspect the home for damages
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Appraise the home to confirm its value
If there are major issues, you can negotiate repairs or cancel the deal.
Step 7: Closing and Final Payment
At closing, you’ll:
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Pay the down payment
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Pay closing costs (usually 2–5% of the home price)
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Sign legal documents
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Receive the title deed and house keys
Congratulations! You now own property in the U.S.
What If You’re Buying from Ghana?
Yes, it’s still possible. Here’s how:
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Work with a U.S.-based real estate agent and possibly a lawyer
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Use online property listings and virtual tours
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Appoint a Power of Attorney if you cannot attend closing
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Transfer money through licensed international payment channels
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Use ITIN and U.S. bank accounts for smoother processing
Homeownership Checklist for Ghanaians
1. Decide on your budget and payment method
2. Get a valid passport and ITIN (if needed)
3. Open a U.S. bank account (many allow foreigners)
4. Find a trusted U.S.-based real estate agent
5. Get pre-approved for a mortgage (if applicable)
7. Choose the state/city and type of property
8. Make an offer and sign the purchase agreement
9. Conduct inspection and appraisal
10. Pay closing costs and receive your deed
Final Words
Owning a home in the U.S. as a Ghanaian is very possible with careful planning, the right guidance, and a disciplined financial approach. Whether you want to relocate, invest, or secure a future for your children, U.S. real estate is a powerful way to build long-term wealth.
