A House With A 580 Credit Score — Can I Buy

These are for rural homebuyers. While the USDA itself doesn't set a hard minimum, most lenders look for at least a 640 score for automated approval. A 580 score might be possible through manual underwriting , but it is significantly more difficult.

If your middle FICO score is 580, these are your most likely options: can i buy a house with a 580 credit score

This is the most popular choice for a 580 score. At this threshold, you can qualify for the 3.5% minimum down payment . If your score were to dip below 580 (down to 500), you could still qualify but would need a 10% down payment . These are for rural homebuyers