Minimum Score To Buy - A House

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The minimum credit score to buy a house generally ranges from , depending on the type of mortgage loan you use. 🏠 Minimum Scores by Loan Type minimum score to buy a house

A lower score usually leads to a higher interest rate and higher monthly Private Mortgage Insurance (PMI) premiums. Find available in your state

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

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

620 is the standard minimum for most private lenders.

Keep credit card balances below 30% of your total limit.