The minimum credit score needed to buy a house can be as low as 580 for some loans, but a score of 620 or higher is generally required. Different loan types have different credit score requirements. FHA loans accept scores as low as 500 with a 10% down payment, while conventional loans typically require a minimum score of 620. Other factors, such as your overall debts and down payment size, also play a role in mortgage eligibility. It's important to maintain a good credit history, pay bills on time, and reduce debt to improve your chances of getting a mortgage.
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