Programs For Buying A Home With Bad Credit May 2026

You can qualify with a score between 500 and 579 if you can provide a 10% down payment .

Lenders often accept non-traditional credit histories, such as consistent rent or utility payments, if you lack a standard credit score. programs for buying a home with bad credit

The VA itself does not set a minimum credit score, though individual lenders (like Veterans United or Navy Federal ) often set their own "overlays," typically around 580 to 620 . You can qualify with a score between 500