: These are the standard for low-credit buyers. Score 580+ : Requires only a 3.5% down payment . Score 500–579 : Requires a 10% down payment .
: Available to veterans and service members. They often have no official minimum credit score (though many lenders prefer 620) and require 0% down . trying to buy a house with bad credit
Government-backed programs are the most common route because they insure lenders against default, allowing for more flexible entry requirements. : These are the standard for low-credit buyers