Can I Buy A House After Chapter 13 May 2026

If you are still in your repayment plan, your bankruptcy attorney must file a motion for permission to incur new debt. The court must agree that you can afford the mortgage alongside your plan payments.

You must provide a factual explanation of what caused the bankruptcy (e.g., medical bills, job loss) and how your situation has improved. 💡 Practical Steps to Take Now can i buy a house after chapter 13

You generally need a minimum score of 580 for FHA/VA and 620–640 for Conventional or USDA. If you are still in your repayment plan,