Typically 640 for automated approval, though manual underwriting may allow for lower scores.
500 minimum. A score of 500–579 requires a 10% down payment, while a score of 580+ allows for as little as 3.5% down. what is minimum credit score to buy house
Your credit score significantly dictates your interest rate. In 2026, a borrower with a score could save approximately $200 to $250 per month on a $400,000 mortgage compared to someone with a score in the low 600s. Over a 30-year term, this difference can amount to nearly $200,000 in total interest savings. Typically 640 for automated approval
No official government minimum, but most lenders require at least 580 to 620 . what is minimum credit score to buy house