Minimum Score To Buy A House 🆒 📍

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

Don't open new credit cards or take out car loans within 6 months of applying for a mortgage. minimum score to buy a house

No official minimum , but most lenders require 580–620 . While specific lender requirements can vary, these are

Individual lenders often set their own minimums (called "overlays") that are 20–40 points higher than the program minimum. While specific lender requirements can vary

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620 is the standard minimum for most private lenders.