What Credit Score Is Needed To Buy A $250000 House ✦ Top-Rated

To buy a $250,000 house, you typically need a credit score of at least for a conventional mortgage. However, government-backed options can lower this requirement to as low as 500 with a larger down payment. Minimum Credit Scores by Loan Type

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. what credit score is needed to buy a $250000 house

Your score requirement is primarily determined by the type of loan you choose: To buy a $250,000 house, you typically need