Minimum Score To Buy A House < PC >

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

A lower score usually leads to a higher interest rate and higher monthly Private Mortgage Insurance (PMI) premiums. minimum score to buy a house

Ask a family member with excellent credit to add you to an established account. Usually require 700–720+ due to higher loan amounts

Individual lenders often set their own minimums (called "overlays") that are 20–40 points higher than the program minimum. Ask a family member with excellent credit to

No official minimum , but most lenders require 580–620 .