Borrowers with a score as low as may qualify for a 3.5% down payment.

Some lenders may accept scores as low as with a 10% down payment.

For buyers who cannot qualify for a standard mortgage, several alternative programs are designed to be more inclusive:

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Buying A Foreclosure With Bad Credit May 2026

Borrowers with a score as low as may qualify for a 3.5% down payment.

Some lenders may accept scores as low as with a 10% down payment.

For buyers who cannot qualify for a standard mortgage, several alternative programs are designed to be more inclusive: