Bad Credit Buy A House With No Money Down May 2026

: Some specialist brokers focus on "adverse credit" borrowers. Expect much higher interest rates and potentially higher closing costs to offset the lender's risk. The True Cost of "No Money Down"

FHA loans are the "gold standard" for bad credit, but they typically require 3.5% down. To get to "no money down," you have to pair an FHA loan with assistance. bad credit buy a house with no money down

: This allows you to move in now while a portion of your rent goes toward a future down payment. This gives you time to rebuild your credit before you actually have to apply for a mortgage. : Some specialist brokers focus on "adverse credit"

: According to CNBC Select , you can qualify for an FHA loan with a score as low as 500 (with 10% down) or 580 (with 3.5% down). To get to "no money down," you have