Choosing the right loan depends on your credit score and how much cash you have saved. Minimum Down Payment
To qualify, lenders look at your "financial health" through three main lenses: can you get a loan to buy a house
Your track record with debt. Higher scores unlock lower interest rates. Choosing the right loan depends on your credit
The percentage of your monthly income that goes toward debt. Most lenders want this under 43–45%. can you get a loan to buy a house
The cash you pay upfront. While 20% is the traditional gold standard to avoid extra insurance costs, many programs allow as little as 0% to 3.5%. 🏠 Common Types of Home Loans