Programs For Buying A Home With Bad Credit May 2026

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 .

FHA loans are the most common path for buyers with lower credit scores because the government insures the lender against loss. programs for buying a home with bad credit

For eligible veterans, active-duty service members, and surviving spouses, VA loans offer some of the most flexible credit requirements. The VA itself does not set a minimum

If your score is at least 580, you may qualify for the minimum down payment of just 3.5% . active-duty service members