Minimum Score To Buy A House -

No official minimum , but lenders typically look for 640 .

AI responses may include mistakes. For financial advice, consult a professional. Learn more Credit Score Needed to Buy a House - Northwestern Mutual 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 No official minimum , but lenders typically look for 640

A lower score usually leads to a higher interest rate and higher monthly Private Mortgage Insurance (PMI) premiums. Learn more Credit Score Needed to Buy a

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620 is the standard minimum for most private lenders.