*Buying during a Chapter 13 repayment plan typically requires at least 12 months of on-time payments and written permission from the bankruptcy court. Essential Steps to Rebuild for Homeownership Buying A House While in Chapter 13 Bankruptcy | 2026
Yes, you can buy a house after filing for bankruptcy, though you must typically wait through a "seasoning period" before you are eligible for most mortgages. While bankruptcy can stay on your credit report for , you can often qualify for a home loan in as little as one to four years after your case is discharged or dismissed. Mandatory Waiting Periods by Loan Type can you buy a house with a bankruptcy
The exact time you must wait depends on whether you filed (liquidation) or Chapter 13 (reorganization), as well as the type of mortgage you choose. Chapter 7 Waiting Period Chapter 13 Waiting Period Conventional 4 years after discharge or dismissal 2 years after discharge; 4 years after dismissal FHA Loan 2 years after discharge No wait after discharge; 1 year into repayment plan* VA Loan 2 years after discharge No wait after discharge; 1 year into repayment plan* USDA Loan 3 years after discharge 1 year after discharge or into repayment plan* *Buying during a Chapter 13 repayment plan typically