620 is the standard minimum for most private lenders.
If your score is low, lenders may still approve you if you have large cash reserves , a low debt-to-income (DTI) ratio , or a large down payment . ✅ How to Improve Your Score Quickly minimum score to buy a house
AI responses may include mistakes. For financial advice, consult a professional. Learn more Credit Score Needed to Buy a House - Northwestern Mutual 620 is the standard minimum for most private lenders
While specific lender requirements can vary, these are the standard program minimums for 2026: 500 (with 10% down) or 580 (with 3.5% down). a low debt-to-income (DTI) ratio