Minimum Score To Buy A House -

620 is the standard minimum for most private lenders.

No official minimum , but most lenders require 580–620 .

No official minimum , but lenders typically look for 640 . minimum score to buy a house

Usually require 700–720+ due to higher loan amounts. 📊 Loan Comparison Table (2026) Down Payment FHA 3.5% – 10% Lower credit scores, first-time buyers VA 580 – 620* Veterans and active-duty military Conventional 3% – 20% Strong credit, higher down payments USDA Rural and some suburban properties Jumbo 700 – 720+ 10% – 20% High-value properties *Typical lender requirement, not a government mandate. 💡 Key Considerations for Low Scores

Get a list of in low-credit-score mortgages? 620 is the standard minimum for most private lenders

While specific lender requirements can vary, these are the standard program minimums for 2026: 500 (with 10% down) or 580 (with 3.5% down).

Individual lenders often set their own minimums (called "overlays") that are 20–40 points higher than the program minimum. Usually require 700–720+ due to higher loan amounts

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