What Credit Score Do You Really Need To Buy a Home?

“`

Published July 30, 2025 · 3 min read

Let’s be honest—if you’ve been putting off buying a home because you think your credit score isn’t “good enough,” you’re not alone. According to Fannie Mae, 90% of buyers either overestimate the credit score needed or don’t know it at all.

There’s No One Magic Number

Different loans = different credit score ranges. Let’s look at the actual numbers across loan types:

FHA: 682
USDA: 705
VA: 736
Conventional: 768
Jumbo: 780

Why Your Score Still Matters

What type of loan you qualify for
Your mortgage interest rate
How much you’ll pay over time

Higher score = better loan terms. That could mean saving tens of thousands over 30 years.

Want To Improve Your Score?

✅ Pay on time: Every bill counts—including your phone or internet.
✅ Lower your debt: Keep balances below 30% of your credit limit.
✅ Check your credit report: Dispute errors and outdated accounts.
✅ Don’t apply for new credit: Too many inquiries can hurt your score.

Final Thought

You don’t need perfect credit to become a homeowner. What you need is a plan—and a trusted team to guide you through it.

Let’s talk about your options. Whether you’re buying your first home or your forever home, we’re here to help in Fort Lauderdale and all of South Florida.

📅 Schedule a Free Consultation
📍 Get Your Home Value Estimate