While specific lender requirements can vary, these are the standard program minimums for 2026: 500 (with 10% down) or 580 (with 3.5% down).
No official minimum , but lenders typically look for 640 .
Keep credit card balances below 30% of your total limit. minimum score to buy a house
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If you are currently below the target for your desired loan, these steps can often boost your score in : While specific lender requirements can vary, these are
Ask a family member with excellent credit to add you to an established account.
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Review reports from Equifax , Experian , and TransUnion ; disputing errors can lead to a fast jump.