: Can go as low as 500 (with 10% down) or 580 (with 3.5% down). VA and USDA Loans : Typically look for 580–640 .
Beyond the sticker price of the home, you need liquid savings for several immediate expenses.
: Your total monthly debt payments divided by your gross monthly income should ideally stay below 36% to 43% . Some conventional programs may allow up to 45–50% for high-credit borrowers.
