What Is A Decent Credit Score To Buy A House [ INSTANT — 2025 ]

You will generally be required to put down at least 10% . 580–619: Subprime/Fair

If your score is currently on the edge of a tier (e.g., 615 or 730), taking 30–90 days to improve it can pay off massively. what is a decent credit score to buy a house

Lenders use your score alongside your Debt-to-Income (DTI) ratio —ideally kept under 36-43%—to determine the maximum loan amount you can afford. Quick Tips to Boost Your Score Before Applying You will generally be required to put down at least 10%

Just one payment 30 days late can drop your score by 60 to 110 points. 615 or 730)

Scores in this range, such as a 720 credit score , are considered "good" by both FICO and VantageScore, leading to better APRs and easier approvals. 740–850: Very Good to Excellent