How Soon After Bankruptcy Can I Buy A House May 2026

You may be eligible for FHA or VA loans while still in your repayment plan , provided you have made 12 consecutive on-time payments and receive court approval.

The "clock" for these periods generally begins on your —the day the court officially wipes out your debt—rather than your filing date. Chapter 7 (Liquidation) Chapter 13 (Repayment Plan) FHA Loan Possible after 12 months of plan payments VA Loan Possible after 12 months of plan payments USDA Loan 12 months or 2 years after discharge Conventional 2 years after discharge how soon after bankruptcy can i buy a house

The path to homeownership post-bankruptcy is often a "project with specific milestones". Can you buy a house after bankruptcy? | Rocket Mortgage You may be eligible for FHA or VA