While 500 is the technical minimum, most lenders apply "overlays" (stricter internal rules) that may require a score of at least for actual approval. Minimum Credit Scores by Loan Type
Minimum requirements vary significantly based on the specific mortgage program: What Credit Score Do I Need to Buy a House? - Experian
The absolute lowest credit score you can typically have to buy a house with a mortgage is . However, qualifying with a score this low generally requires a government-backed FHA loan and a down payment of at least 10% .
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