Whats A Good Fico Score To Buy A House May 2026

: Higher scores often lead to lower Private Mortgage Insurance (PMI) costs for conventional loans.

: Borrowers with lower scores may require manual underwriting, a more intensive review process. Jumbo Loans : whats a good fico score to buy a house

: As of late 2025, Fannie Mae and Freddie Mac shifted toward a more holistic risk assessment, potentially benefiting those with strong assets but lower scores. FHA Loans : 580+ : Qualifies for the minimum 3.5% down payment . 500–579 : Possible with a 10% down payment . VA Loans : No official minimum set by the government. : Higher scores often lead to lower Private

: In 2025, high home prices and interest rates pushed the median home buyer's FICO score to a record high of 768 . Perspective on New Models FHA Loans : 580+ : Qualifies for the minimum 3

A higher score doesn't just mean approval; it directly impacts your monthly budget.