No official minimum credit score (though lenders usually set a "floor" around 580–620). Requires $0 down payment.
For low-to-moderate-income buyers in designated rural areas. Typically requires a 640 score for automated approval. Offers $0 down payment options. 🤝 Alternative Assistance Programs home buying programs for people with bad credit
Many state and local housing authorities offer grants or "silent second" mortgages. These cover down payments or closing costs, making it easier for buyers with limited cash and poor credit to qualify. Housing Counseling Agencies No official minimum credit score (though lenders usually
Putting more money down reduces the lender's risk. home buying programs for people with bad credit