Minimum Score To Buy A House Direct

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

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 minimum score to buy a house

Get a list of in low-credit-score mortgages? While specific lender requirements can vary, these are

Ask a family member with excellent credit to add you to an established account. While specific lender requirements can vary