AI responses may include mistakes. For financial advice, consult a professional. Learn more What Credit Score Do I Need to Buy a House? - Experian
If you aren't at 760 yet, you can still qualify for homeownership through various programs: what is the ideal credit score to buy a house
The difference in interest rates between credit tiers can drastically change your monthly budget: FICO Score Range Estimated Rate (Approx.) Estimated Monthly Payment* (Excellent) 680–699 (Good) 620–639 (Fair) AI responses may include mistakes
: Do not open new credit cards or take out auto loans in the 6–12 months leading up to your mortgage application. - Experian If you aren't at 760 yet,
: The most accessible option, allowing scores as low as 580 with a 3.5% down payment. You may even qualify with a 500 score if you can provide a 10% down payment.
: Generally require a 640 for automated approval, though some lenders consider lower scores through manual underwriting. Impact of Your Score on Monthly Costs (2026 Estimates)
: Technically have no official minimum set by the government, though most lenders prefer at least a 580–620 .