Minimum Score To Buy A House Apr 2026

620 is the standard minimum for most private lenders.

Individual lenders often set their own minimums (called "overlays") that are 20–40 points higher than the program minimum.

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

Review reports from Equifax , Experian , and TransUnion ; disputing errors can lead to a fast jump.

Get a list of in low-credit-score mortgages? 620 is the standard minimum for most private lenders

Keep credit card balances below 30% of your total limit.

Find available in your state?

Ask a family member with excellent credit to add you to an established account.