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Typical Credit Score To Buy A House Official

Lenders use different thresholds based on the government agency backing the loan. As of April 2026, these are the standard minimums: FHA Loan Requirements in 2026

The , though requirements vary significantly by loan type. While a 620 score serves as a common baseline for conventional financing, the median credit score for actual home buyers reached a record high of 768 in 2025 due to elevated home prices and mortgage rates. Minimum Credit Scores by Loan Type typical credit score to buy a house

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Carrie Elle
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