Am I Eligible To Buy A House [Full • VERSION]

While higher scores unlock better interest rates, you don't need "perfect" credit to qualify.

: Often target scores between 580 and 640 , though neither has a strict government-mandated minimum. 2. Debt-to-Income (DTI) Ratio am i eligible to buy a house

: You can qualify with a score as low as 580 with a 3.5% down payment. Some lenders may even accept scores down to 500 if you can provide a 10% down payment. While higher scores unlock better interest rates, you

Lenders use your DTI to ensure your monthly debt payments (including your new mortgage) aren't too high compared to your gross monthly income. Credit score rules are changing for mortgages in 2026 am i eligible to buy a house