Good Fico Score To Buy A House - Whats A

While program minimums exist, many lenders add "overlays," requiring slightly higher scores for actual approval. : Baseline : Typically 620 .

: On a $400,000 mortgage, a borrower with a 760+ score can save approximately $193,000 in interest over 30 years compared to someone in the 620–639 range. whats a good fico score to buy a house

: In 2025, high home prices and interest rates pushed the median home buyer's FICO score to a record high of 768 . Perspective on New Models While program minimums exist, many lenders add "overlays,"

: Higher scores often lead to lower Private Mortgage Insurance (PMI) costs for conventional loans. While program minimums exist

: Lenders typically use a "tri-merge" report from Equifax, Experian, and TransUnion.