What Credit Score To Buy A Home Apr 2026

Different mortgage "flavors" have different credit appetites:

: Designed for lower-credit borrowers. You can qualify with a 580 and 3.5% down, or even as low as 500 if you can provide a 10% down payment. what credit score to buy a home

: Typically require a 620 or higher . These are not government-insured and usually offer the best terms if your credit is strong. what credit score to buy a home

Lenders also look at your . Experts at Fidelity Investments suggest keeping your total monthly debt payments under 36% of your gross monthly income. what credit score to buy a home