As of late 2025, Fannie Mae and Freddie Mac have moved toward more holistic risk assessments, but most individual lenders still enforce the 620 floor.
Scores between 500 and 579 are possible but usually require a 10% down payment. : 620 minimum. what credit score you need to buy a home
: 640 is typically required for automated approval. As of late 2025, Fannie Mae and Freddie
: 700 to 720+ is standard for loans exceeding conforming limits (typically $806,500 in most areas for 2026). How Your Score Impacts Monthly Costs As of late 2025
: No official government minimum score, though most lenders require 580–620 .