Trying To Buy A — House With Bad Credit
: 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 .
If your score is still a hurdle, these tactics can help bridge the gap: Buying a house with bad credit - Home loans - U.S. Bank trying to buy a house with bad credit
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
: Some 2026 lenders like Guild Mortgage and Sage Home Loans specifically market to these lower brackets. trying to buy a house with bad credit