Whats A Good Fico Score To Buy A House May 2026

A higher score doesn't just mean approval; it directly impacts your monthly budget.

While program minimums exist, many lenders add "overlays," requiring slightly higher scores for actual approval. : Baseline : Typically 620 . whats a good fico score to buy a house

: In 2025, high home prices and interest rates pushed the median home buyer's FICO score to a record high of 768 . Perspective on New Models A higher score doesn't just mean approval; it

: As of late 2025, Fannie Mae and Freddie Mac shifted toward a more holistic risk assessment, potentially benefiting those with strong assets but lower scores. FHA Loans : 580+ : Qualifies for the minimum 3.5% down payment . 500–579 : Possible with a 10% down payment . VA Loans : No official minimum set by the government. many lenders add "overlays