Minimum Score To Buy A House Review

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

Get a list of in low-credit-score mortgages?

Find available in your state?

620 is the standard minimum for most private lenders.

No official minimum , but most lenders require 580–620 . minimum score to buy a house

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

If you are currently below the target for your desired loan, these steps can often boost your score in : While specific lender requirements can vary, these are

If your score is low, lenders may still approve you if you have large cash reserves , a low debt-to-income (DTI) ratio , or a large down payment . ✅ How to Improve Your Score Quickly