No official minimum credit score mandated by the government for veterans or active-duty military.

Homebuying Report: Navigating Low Credit in 2026 Buying a house with a low credit score is possible, though it often requires specific loan programs and a higher down payment. In 2026, the mortgage landscape offers several government-backed and alternative options for borrowers who do not meet traditional "Good" credit standards. 🏠 Targeted Mortgage Options

Best for properties in designated rural or suburban areas.

Non-Qualifying Mortgages don't follow federal standards and offer flexibility for those with recent bankruptcies, employment gaps, or high debt. 📉 Key Requirements & Trade-offs

If your credit score is below 620, focus on these specific programs designed for accessibility: The most flexible option for low-credit buyers. 580+ Score: Qualifies for a 3.5% down payment. 500–579 Score: Qualifies with a 10% down payment.

Lenders mitigate the risk of lower credit scores by tightening other financial requirements: How to buy a house with bad credit | Rocket Mortgage

Requires for low-to-moderate-income households.