What Credit Score Is Needed To Buy A $250000 House 👑 🔥

Most lenders require at least 620. While Fannie Mae and Freddie Mac technically removed strict minimums in late 2025, individual lenders like Rocket Mortgage still use 620 as a common baseline for approval.

Your score requirement is primarily determined by the type of loan you choose: what credit score is needed to buy a $250000 house

For eligible veterans, the Department of Veterans Affairs does not set a minimum, though most lenders prefer 620 or higher . Most lenders require at least 620

Insured by the Federal Housing Administration , these allow scores as low as 500 if you provide a 10% down payment. If your score is 580 or higher, the down payment requirement drops to just 3.5% ($8,750 on a $250,000 home). 750 on a $250