: 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
: Usually required due to the higher risk of large loan amounts. Why Your Score Matters (Interest & Costs) whats a good fico score to buy a house
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 : In 2025, high home prices and interest
: 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. While you can qualify with a score as
: Borrowers with lower scores may require manual underwriting, a more intensive review process. Jumbo Loans :
A higher score doesn't just mean approval; it directly impacts your monthly budget.
: Lenders typically use a "tri-merge" report from Equifax, Experian, and TransUnion.