The most popular choice. You can qualify with a 580 score for a 3.5% down payment, or as low as 500 with 10% down.
You may be restricted to certain types of homes or loan structures.
If you’re not in a rush, taking 6–12 months to dispute errors on your report and pay down balances can save you a fortune in interest. But if you need a home now, the door is still open. To give you more specific advice: Your (e.g., mid-500s or low 600s)? Total savings for a down payment ? Whether you are a first-time buyer or military veteran ?
For veterans and service members. There is no official minimum score, though many lenders look for 580–620 .