Review reports from Equifax , Experian , and TransUnion ; disputing errors can lead to a fast jump.
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
Don't open new credit cards or take out car loans within 6 months of applying for a mortgage. Review reports from Equifax , Experian , and
No official minimum , but lenders typically look for 640 . No official minimum , but lenders typically look for 640
Keep credit card balances below 30% of your total limit.
While specific lender requirements can vary, these are the standard program minimums for 2026: 500 (with 10% down) or 580 (with 3.5% down).
The minimum credit score to buy a house generally ranges from , depending on the type of mortgage loan you use. 🏠 Minimum Scores by Loan Type