Fico Score To Buy A House — Whats A Good

: 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

New standards introduced in 2026 allow lenders to use updated scoring models like and VantageScore 4.0 , which can factor in rental and utility payment history. whats a good fico score to buy a house

: Avoid opening new credit accounts or changing jobs immediately before or during the application process. Your approximate credit score range (e.g., 600s, 700s) Whether you are a first-time buyer or a veteran Your intended down payment percentage : In 2025, high home prices and interest

: Usually required due to the higher risk of large loan amounts. Why Your Score Matters (Interest & Costs) Your approximate credit score range (e

What is a good credit score to buy a house? - Fidelity Investments