In Florida - Requirements To Buy A Home

Minimum 580 for a 3.5% down payment; scores between 500–579 may be eligible with a 10% down payment.

Beyond the home's price, you must budget for the "cash to close," which includes the down payment and closing costs. The Complete 2026 Florida First-Time Homebuyer Guide requirements to buy a home in florida

Typically require 620–640+ for automated approval, though VA has no set federal minimum. Minimum 580 for a 3