Requirements For Buying A Second Home May 2026

While primary homes can sometimes be purchased with as little as 3% down, second homes rarely offer this flexibility.

Some lenders may accept a score as low as 640 if you provide a larger down payment (typically 25% or more). requirements for buying a second home

Some lenders may allow up to 45% or 50% if other aspects of your application are exceptionally strong. While primary homes can sometimes be purchased with