: If you find a lender that accepts a score under 500, they will likely require a much larger down payment—often 20% or more —to reduce their exposure. Potential Lending Options

Buying a house with a is theoretically possible but extremely difficult and often financially inadvisable . Most traditional lenders view scores below 580 as "poor" or subprime, which significantly limits your borrowing options. The Challenges of a 480 Credit Score

While a 480 score is below the standard minimum for most programs, some specialized routes exist: How to Buy a House with Bad Credit | Herring Bank