: FHA, VA, and USDA loans typically allow applications after 12 months of successful, on-time payments within the repayment plan.
Buying a home after filing for is entirely possible and often happens much sooner than with other types of bankruptcy. Depending on the loan type, you may even be able to purchase a house while still in your active repayment plan . Buying During an Active Chapter 13 Plan can i buy a house after filing chapter 13
: Lenders require a perfect record of on-time payments to the trustee for at least the preceding 12 months. : FHA, VA, and USDA loans typically allow
If you wait until after your case is closed, the "seasoning period" (wait time) depends on the loan program and how the case ended. Wait After (Plan Completed) Wait After Dismissal (Plan Terminated) FHA Immediate / No waiting period VA Immediate / No waiting period USDA Immediate / No waiting period Conventional Buying During an Active Chapter 13 Plan :
: Loans during active bankruptcy often require manual underwriting, where a human reviews your full financial story rather than an automated system. Waiting Periods After Discharge or Dismissal