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: While most lenders prefer a 640 for automated approval, some may accept scores as low as 580 with manual underwriting.

: The VA itself has no minimum score requirement, though most private lenders typically require at least 580 to 620 . buy house bad credit no down payment

: The property must be in a USDA-designated area (roughly 97% of U.S. land qualifies). Alternatives for Low Credit : While most lenders prefer a 640 for