Housing Vouchers for IDPs in 2026: New Rules, yeOselia Mortgage and Notary Processing

In 2026, Ukraine's state housing programs have undergone significant changes. If you are planning to purchase real estate using a housing voucher or certificate, it is critically important to know the current rules. How does a voucher differ from a "yeVidnovlennia" certificate, what new strict restrictions has the government introduced in June, and how to properly and safely complete a notary transaction? Let's break down all the details.

Housing Voucher or "yeVidnovlennia" Certificate: What's the Difference?

These two instruments are often confused, but they are designed for completely different situations. A housing voucher is intended for internally displaced persons (IDPs) from temporarily occupied territories (TOT) who have combatant status (UBD) or disability due to war. The amount of such assistance is fixed at exactly UAH 2 million. Importantly, you are not required to relinquish ownership of the housing that remains in occupation — you legally remain its owner. A "yeVidnovlennia" certificate is issued to owners of housing (on Ukrainian-controlled territory) that was destroyed after February 24, 2022 as a result of Russian aggression. The compensation amount is calculated individually for each property based on its area and region. Unlike a voucher, when using the certificate, ownership of the destroyed property is terminated.

New Cabinet Restrictions: Who Will Lose the Right to a Voucher?

On June 4, 2026, Cabinet Resolution No. 723 came into force, significantly tightening the requirements for housing voucher recipients. The government now uses automatic data exchange between registries for instant candidate verification. You will be guaranteed a denial of the voucher if any of the following three circumstances apply: (1) you or your family members sold or otherwise alienated housing on Ukrainian-controlled territory after February 24, 2022; (2) you are already participating in other state housing programs or using subsidized mortgages (including standard "yeOselia" terms for IDPs); (3) you registered or declared your place of residence in the occupied territory after the occupation began or in an active combat zone.

Great June News: Voucher as a Down Payment Under the "yeOselia" Mortgage

For those dreaming of more spacious housing exceeding the guaranteed UAH 2 million, the government has adopted long-awaited changes. Starting from July 17, 2026, IDP veterans from TOT will be able to use their housing voucher to cover the down payment under the affordable mortgage program "yeOselia". This allows you to perfectly combine two state programs and purchase your desired property on the most favorable terms.

Completing the Transaction: Why a Notary Is Essential

Realizing a housing voucher is not an ordinary apartment purchase. It is a complex legal process that requires mandatory notarization of the sale and purchase agreement. Here is what a notary does for your complete safety: Fund verification and status — the notary verifies the voucher's validity in the Register of Damaged and Destroyed Property (RDDP) and accepts it for processing. Important: after your application is approved, the funds are reserved for only 60 days. If you fail to complete the transaction in time, the funds are returned to the state. Territory and family relationship control — the notary ensures that the selected property is not located in a combat zone. The law also prohibits buying housing with a voucher from close relatives (parents, children, spouses, siblings). Guarantee of prompt payment to the seller — it is the notary who enters all contract data and bank details into the state register, after which the program executor transfers the funds to the seller's account within 5 business days. Protection of state interests — according to the law, the notary must impose a restriction on the sale (alienation) of the housing purchased with a voucher for a period of 5 years.

Planning to purchase housing with state funds? Contact our notary office! We have thorough knowledge of all the latest legislative requirements as of summer 2026 and extensive experience working with state programs and registries. We guarantee fast, safe, and comfortable processing of your new home, taking into account all legal nuances! Also check out these sections: apartment sale and purchase agreement, real estate rights registration and extract from the property rights register.