How To Qualify To Buy A House With Bad Credit -

: Insured by the Federal Housing Administration , these are the standard choice for low-credit buyers. 580+ Score : Eligible for a 3.5% down payment . 500–579 Score : Eligible with a 10% down payment .

The USDA does not set a hard minimum, but most lenders require a for automated approval. Strategies to Qualify how to qualify to buy a house with bad credit

: Ask a family member with excellent credit to add you as an authorized user on their oldest, well-managed account. Top Lenders for Challenging Credit (2026) Minimum Score Focus Key Benefit Guild Mortgage 540 (FHA/VA) Connects to 700+ down payment assistance programs. New American Funding 580 (FHA/VA) : Insured by the Federal Housing Administration ,

: Backed by the U.S. Department of Agriculture , these target eligible rural areas with 0% down payment . The USDA does not set a hard minimum,