: You may still qualify for an FHA-insured mortgage, but you are generally required to make a larger down payment of at least 10% .

HUD homes are sold and may require significant work.

Some lenders may require a minimum score of 580 or 620 regardless of government guidelines. for different lenders is essential for those with sub-580 scores. Request Manual Underwriting

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For more information on finding available properties, you can browse listings on the HUD Home Store or consult a HUD-approved housing counselor for a personalized plan.