The VA sets score, but most private lenders typically require at least 580 to 620 . USDA Loans (Rural/Suburban) :
The industry is currently shifting toward a more holistic evaluation. Major entities like Fannie Mae have recently moved to eliminate strict minimum credit score requirements for conforming loans, instead focusing on a broader set of risk factors like debt levels and cash reserves. Minimum Credit Requirements by Loan Type credit needed to buy a house
: Possible qualification but requires a higher 10% down payment . VA Loans (Veterans/Service Members) : The VA sets score, but most private lenders