House — Minimum Score To Buy A

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? minimum score to buy a house

Review reports from Equifax , Experian , and TransUnion ; disputing errors can lead to a fast jump. While specific lender requirements can vary, these are

A lower score usually leads to a higher interest rate and higher monthly Private Mortgage Insurance (PMI) premiums. While specific lender requirements can vary

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Individual lenders often set their own minimums (called "overlays") that are 20–40 points higher than the program minimum.