No official minimum , but most lenders require 580–620 .
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While specific lender requirements can vary, these are the standard program minimums for 2026: 500 (with 10% down) or 580 (with 3.5% down). No official minimum , but most lenders require 580–620
Don't open new credit cards or take out car loans within 6 months of applying for a mortgage. No official minimum