Review reports from Equifax , Experian , and TransUnion ; disputing errors can lead to a fast jump.
620 is the standard minimum for most private lenders. minimum score to buy a house
Get a list of in low-credit-score mortgages? Review reports from Equifax , Experian , and
While specific lender requirements can vary, these are the standard program minimums for 2026: 500 (with 10% down) or 580 (with 3.5% down). Review reports from Equifax
No official minimum , but lenders typically look for 640 .
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