For eligible veterans, active-duty service members, and surviving spouses, VA loans offer some of the most flexible credit requirements.
If your score is at least 580, you may qualify for the minimum down payment of just 3.5% . programs for buying a home with bad credit
The VA itself does not set a minimum credit score, though individual lenders (like Veterans United or Navy Federal ) often set their own "overlays," typically around 580 to 620 . For eligible veterans