Tips To Buying A House With Bad Credit Apr 2026

: Allows for a down payment as low as 3.5% . 500–579 Credit Score : Requires a 10% down payment.

: Aimed at rural and suburban areas. While many lenders require a 640 score, some offer manual underwriting for lower scores with no down payment. 2. Strengthen Other Areas of Your Application tips to buying a house with bad credit

: Available to veterans and service members. There is often no official minimum credit score, though many lenders set their own "overlays" around 580–620 . They generally require $0 down . : Allows for a down payment as low as 3