Government-backed programs are the primary route for borrowers with lower credit scores: Credit Requirements for FHA Loans
Buying a home with poor credit is possible, especially through government-backed loan programs that allow scores as low as with a larger down payment. While conventional loans typically require a minimum score of 620 , programs like the FHA, VA, and USDA offer more flexible paths to homeownership. Key Loan Options for Poor Credit (2026 Guidelines) i have poor credit but want to buy a house