Trying To Buy A House With Bad Credit Today

Buying a home with bad credit in 2026 is challenging but far from impossible. While traditional conventional loans often require a minimum score of 620, several specialized paths exist for buyers with scores starting as low as 500.

: These are the standard for low-credit buyers. Score 580+ : Requires only a 3.5% down payment . Score 500–579 : Requires a 10% down payment . trying to buy a house with bad credit

Government-backed programs are the most common route because they insure lenders against default, allowing for more flexible entry requirements. Buying a home with bad credit in 2026

: Some 2026 lenders like Guild Mortgage and Sage Home Loans specifically market to these lower brackets. trying to buy a house with bad credit