Credit Can I Buy A House — I Have Bad

: These are the most accessible. You can qualify with a score as low as 500 if you have a 10% down payment . If your score is 580 or higher , the minimum down payment drops to 3.5% .

If you are applying for a home loan in 2026, the following programs offer more flexible credit requirements: i have bad credit can i buy a house

: These target rural and suburban buyers. While there is no official minimum, most lenders require at least 640 for automated approval. They also offer 0% down options. : These are the most accessible

: Available to veterans and service members, these often have no set minimum credit score from the government, though most lenders prefer at least 580–620 . They require 0% down and no monthly mortgage insurance. If you are applying for a home loan