The lowest credit score you can generally have to buy a house in the U.S. is , but this is only possible through specific government-backed programs like an FHA loan . While 500 is the technical "floor," most standard mortgage options require a score of at least 620 .

The minimum score depends heavily on the type of mortgage you choose and the specific requirements of the lender you work with. How To Buy A House With Bad Credit | Loan Options 2026

Whats The Lowest Credit Score To Buy A House May 2026

The minimum score depends heavily on the type of mortgage you choose and the specific requirements of the lender you work with. How To Buy A House With Bad Credit | Loan Options 2026

FREE CONSULTATION NO FEES UNTIL WE WIN

There is no obligation for a case evaluation & no fee is charged unless a recovery is made.

X/Twitter
This field is for validation purposes and should be left unchanged.
Name*
First Last
Phone*
Email*
CASE CONCERNING:*
TELL US ABOUT YOUR CASE:*
Disclaimer: Please note that we are currently accepting cases for Michigan residents only, except for product liability cases, which we handle nationwide.

Your privacy is important to us. Cochran, Kroll & Associates, P.C. does not share, sell, rent, or trade personally identifiable or confidential information with third parties for any purpose.