While program minimums exist, many lenders add "overlays," requiring slightly higher scores for actual approval. : Baseline : Typically 620 .
For most borrowers in 2026, a . While you can qualify with a score as low as 500 for certain programs, reaching the 740 to 760+ range is ideal for securing the lowest interest rates and most favorable terms. 2026 Minimum Requirements by Loan Type whats a good fico score to buy a house
A higher score doesn't just mean approval; it directly impacts your monthly budget. While program minimums exist, many lenders add "overlays,"
: On a $400,000 mortgage, a borrower with a 760+ score can save approximately $193,000 in interest over 30 years compared to someone in the 620–639 range. While program minimums exist
What is a good credit score to buy a house? - Fidelity Investments