How Long After A Foreclosure Can You Buy A House Apr 2026

The waiting period officially begins on the date the foreclosure was completed—typically when the deed was transferred back to the lender or the property was sold at auction.

Buying a home after a foreclosure is generally a matter of waiting for a "seasoning period" to pass, which varies significantly by loan type. While a foreclosure stays on your credit report for , many government-backed programs allow you to qualify much sooner. Summary of Waiting Periods by Loan Type