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
If you are currently below the target for your desired loan, these steps can often boost your score in : minimum score to buy a house
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 Usually require 700–720+ due to higher loan amounts
Don't open new credit cards or take out car loans within 6 months of applying for a mortgage. 🏠 Minimum Scores by Loan Type Don't open