What Is The Fico Score To Buy A House -

The minimum FICO score required to buy a house in 2026 depends heavily on the type of mortgage loan you select. While some programs officially allow scores as low as , most lenders maintain internal "overlays" that typically require a score of 580 to 620 for approval. Minimum Credit Scores by Loan Type Minimum FICO Score Key Requirement / Benefit FHA Loan 500 – 580+ 580+ for 3.5% down; 500-579 requires 10% down. Conventional 620

No official floor, though is the standard lender requirement. Jumbo Loan 700+ Higher scores required for loans exceeding standard limits. Major 2026 Policy Shifts what is the fico score to buy a house

Traditionally 620, but many lenders now use holistic risk assessments. None (Official) The minimum FICO score required to buy a

No official floor, but lenders typically require . USDA Loan None (Official) Conventional 620 No official floor, though is the