Meeting the minimum gets you in the door, but higher scores lead to massive long-term savings. On a $400,000 mortgage, a borrower with a score can save over $190,000 in interest compared to someone with a score in the 620–639 range.
The most accessible option. You can qualify with a 580 for just a 3.5% down payment, or as low as 500 if you can provide a 10% down payment. what kind of credit score to buy a house
Your specific target score depends heavily on which mortgage program you choose: Meeting the minimum gets you in the door,