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How to Buy a House with a 500 Credit Score
Sarah Johnson
Senior Editor
Feb 3, 2026
9 min
A low credit score isn't a dead end. FHA loans are specifically designed to help borrowers with credit setbacks become homeowners.
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FHA Credit Score Tiers
There are two main tiers for FHA loans depending on your down payment.
- 580+ Score: 3.5% Down Payment
- 500-579 Score: 10% Down Payment
Compensating Factors
Lenders look at the whole picture. Having a low DTI ratio, verified cash reserves, or long job stability can help overcome a lower credit score.
Expert Perspective
"Don't disqualify yourself. Speak to a lender who specializes in FHA financing to see what's possible for your situation."
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