Coinbase and Better Home Finance Launch Crypto-Backed Mortgage Program for Bitcoin Holders

Better Home and Finance and Coinbase have launched a program that allows homebuyers to use Bitcoin or USDC as collateral for a mortgage down payment, a product aimed at the estimated 52 million Americans who own digital assets.

The program works like a piggyback loan. Instead of selling their cryptocurrency to fund a down payment, buyers pledge their digital assets as collateral. This lets them keep their crypto holdings while still qualifying for a mortgage.

Experian reported on the product in its January 2026 personal finance roundup, noting that it represents a new category of financial product that bridges crypto ownership and traditional home buying.

The program targets buyers who have accumulated significant crypto wealth but do not want to trigger a taxable event by selling. For some, it also reflects a belief that Bitcoin and other digital assets will continue to appreciate.

But financial advisors are urging caution. The program requires steep collateralization ratios, meaning buyers must pledge significantly more in crypto than the value of the down payment. If a buyer falls behind on mortgage payments, their crypto holdings can be liquidated.

Crypto markets are also volatile. A sharp drop in Bitcoin's price could trigger a margin call even if the buyer is current on their mortgage.

"This is a product that works well in a rising market and can go badly wrong in a falling one," said one financial planner quoted in coverage of the launch.

The program is currently available in select states. Better Home and Finance said it plans to expand availability later in 2026.

Coinbase said the product is designed for experienced crypto holders who understand the risks involved.