can i get a usda home loan with bad credit?
Mortgage loans for low credit borrowers And, any score below 580 requires 10% down. ... However, most lenders will want to see a minimum credit score between 580-620 before approving a VA loan. USDA home loans: Most lenders will require a 640 FICO score to qualify for a USDA loan, although some will go down to 580.