The number depends on the loan type. Conventional loans, the most common way homes get bought in this area, open up with most lenders at a score around 620 and up, with down payments as low as 3% for qualified buyers. VA loans have no score minimum set by the VA itself, but most lenders want to see roughly 620.
FHA loans exist for buyers with thinner credit: at 580 or higher you qualify for the minimum 3.5% down, and scores as low as 500 can still qualify with a 10% down payment. Below that, the practical move is rebuilding the score before you buy.
Pull your score before you talk to a lender, and ask which program fits your exact number. One credit score does not decide your future as a buyer; it decides which loan gets you the best deal.
Still wondering?
Ask me directly about first-time buyers in the Mahoning Valley.
Bring whatever question brought you here to a free, no-pressure conversation. You will leave with a clear first step, no matter where you are in the process.
Here to help, Melanie.
Loan programs, rates, and program details change. Verify current terms with a lender before relying on anything here. I serve every buyer and seller equally, in line with the Fair Housing Act.