Buy House Bad Credit No Down Payment May 2026

If you do not qualify for a zero-down loan, the is the standard fallback for credit challenges: Credit Scores 580+ : Requires a 3.5% down payment. Credit Scores 500-579 : Requires a 10% down payment.

: Designed for low-to-moderate-income buyers in eligible rural or suburban areas. Down Payment : buy house bad credit no down payment

: The property must be in a USDA-designated area (roughly 97% of U.S. land qualifies). Alternatives for Low Credit If you do not qualify for a zero-down