Buying A Home With 600 Credit Score May 2026

Yes, you can buy a home with a in 2026. This score falls into the "fair" range (580–669) , which qualifies you for several government-backed loan programs even though it is below the 620 threshold typically required for conventional mortgages. Primary Mortgage Options for 600 Credit Scores

Lenders look for a steady income and manageable debt-to-income (DTI) ratio (typically under 45%) to offset lower credit scores. FHA Loan Requirements in 2026 buying a home with 600 credit score