While you can "pass" with a lower score, your credit health directly determines your interest rate, which can cost or save you tens of thousands of dollars over the life of the loan. Minimum Score Requirements by Loan Type
You may still qualify but typically must provide a 10% down payment. is my credit good enough to buy a house
Lenders use different thresholds based on the risk associated with each loan program: While you can "pass" with a lower score,
These rural-focused loans generally require a 640, though some lenders may consider lower scores with a deeper manual review. is my credit good enough to buy a house