Buying a house with bad credit is challenging but possible with the right programs. FHA loans cater to those with scores as low as 500, requiring down payments based on the score. VA loans are also available for veterans with a minimum score of 620, offering additional benefits. USDA loans serve lower-income buyers in rural areas and similarly require a score of 620. Understanding your credit score and exploring these options can help potential homebuyers overcome barriers associated with low credit ratings.
You can buy a house with bad credit through FHA, VA, or USDA loans, which accept credit scores as low as 500-620, with some trade-offs.
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