Can you buy a house with a credit card?

There’s a fixer upper in my hometown on sale for only $12,000. My credit limit is higher than that. Can I buy a house with a credit card?

Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It is possible to buy a house with a credit card, but that doesn’t mean it’s a good idea.
If your credit limit is higher than the cost of the house, you could charge the entire house to your credit card and buy it outright. However, you’d likely be able to find a mortgage with a much better interest rate. Buying with a credit card will only cause more payments—unless you have enough to buy the house outright and can pay it off right away.
Most real estate agencies won’t take a card, however, so you’ll likely need to use your credit card to get a cash advance, then buy the house with a cashier’s check.
All this to say: is it possible? Yes. Is it a good idea? Probably not.
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