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My House, My Life 2025 Guarantees Exemption from ITBI and Notary Fees on the First Property, Expands Subsidies, and Facilitates Access to Home Ownership for Low Income.
In 2025, the federal government announced a new phase of My House, My Life (MCMV) with measures that promise to make life easier for millions of Brazilians dreaming of home ownership. Among the most impactful new features are the exemption from ITBI (Tax on the Transmission of Real Estate) and the waiver of notary fees for those acquiring the first property under the program.
The initiative, outlined in a regulatory decree of the MCMV, was structured in partnership with states and municipalities and is part of a set of measures that reinforce housing policy. Additionally, the program expands federal subsidies for low-income families, allowing for smaller and more affordable payments.
The Weight of ITBI and Notary Fees on the Buyer’s Pocket
The ITBI is a municipal tax charged whenever there is a transfer of ownership of a property. The rates vary, but in cities like São Paulo and Rio de Janeiro, they can reach 3% of the property’s value.
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The notary fees include deed and registration at the notary office, which can represent up to an additional 2%.
In practice, someone buying a property worth R$ 200,000 could spend about R$ 10,000 just on taxes and fees even before receiving the keys.
It is precisely this initial cost that prevents access to home ownership for millions of low-income families.
With the new phase of the MCMV, these amounts cease to be an obstacle: the first popular property acquired through the program will not pay ITBI or notary fees.
Expanded Subsidies and New Income Brackets in My House, My Life
In addition to the exemption from ITBI and notary fees, the government has expanded direct subsidies granted by the Residential Leasing Fund (FAR) and the Social Development Fund (FDS).
Families with a monthly income of up to R$ 2,640 will have access to subsidies that can cover up to 95% of the property value in some cases.
Another novelty is the inclusion of new income brackets for low-middle-income families, with access to financing facilitated by the Federal Savings Bank (Caixa Econômica Federal).
Now, families with a monthly income of up to R$ 8,000 can benefit from lower interest rates and extended terms.
The Law Behind the Changes in the Housing Program
The changes were instituted by Law No. 14,620/2023, which recreated My House, My Life after years of the Green and Yellow House program.
The law already anticipated the possibility of tax and fee exemptions for the first property, but the 2025 decree regulated the national application of the benefit.
Municipalities and notaries adhered to the program, with counterparty commitments from the federal government. In exchange, states and municipalities receive tax incentives and additional transfers from the General Budget of the Union.
Expected Impact: Millions of Families Benefitting
According to the Ministry of Cities, the new phase of My House, My Life is expected to assist 2 million families by 2026, with priority for women heads of families, people in situations of social vulnerability, and families benefiting from social programs like Bolsa Família.
The government estimates that the exemption from ITBI and notary fees represents an immediate savings of 5% to 7% on the final purchase price.
This reduction could be the differentiating factor for families that previously could not afford the down payment on financing.
Experts Warn of Challenges in the Program
Despite the positive impact, experts warn of challenges:
- Fiscal Sustainability: the increase in subsidies requires greater funding from the National Treasury.
- Supply of Properties: in some regions, the scarcity of urban land drives up project costs and limits the number of available units.
- Quality of Construction: the MCMV has faced criticism in the past for properties with inferior construction standards and insufficient infrastructure in remote neighborhoods.
Nevertheless, entities in the civil construction sector, such as the CBIC (Brazilian Chamber of Construction Industry), believe that the measure can boost the economy, generate jobs, and drive the production chain.
The Future of Affordable Housing in Brazil
The new phase of My House, My Life represents more than immediate financial relief. It signals a repositioning of housing policy in Brazil, combining expanded subsidies, tax exemptions, and greater integration between federal government, states, and municipalities.
Focusing on the first property, the program not only helps families achieve home ownership but also strengthens property formalization, reduces legal uncertainty, and increases future revenue from IPTU.
If executed well, the MCMV can establish itself as one of the largest social inclusion programs of the decade, offering dignity, housing, and a future perspective for millions of Brazilians.
My House, My Life 2025 — Exemption from ITBI, Notary Fees, and Subsidies for the First Property
The exemption from ITBI and notary costs, combined with the reinforcement of subsidies, transforms the purchase of the first property into a possible dream for millions of Brazilians in 2025.
The impact on the real estate sector should be immediate, with increased demand for affordable properties and strengthening of civil construction.
What was previously an obstacle of thousands of reais in taxes is now an opportunity.
On the board of housing policy, My House, My Life once again presents itself as the central piece in the quest for inclusion, urban development, and social justice.
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