Credit & Qualification
What Credit Score Do You Need to Buy a House in Florida?
The credit score you need depends on the loan — and on three other factors most buyers overlook.
Quick Answer
In Florida you can buy a home with a 500 credit score (FHA with 10% down) or as low as 580 with 3.5% down. Conventional starts at 620 and VA loans don't have a fixed minimum but most lenders want 580+. The best rates start at 740 and improve again at 780.
Key takeaways
- FHA: 500 (10% down) or 580 (3.5% down).
- Conventional: 620 minimum; best pricing at 740+.
- VA: no VA minimum, but most lenders require 580–620.
- USDA: 640 typical.
- Lenders use the middle of your three FICO scores.
Minimum credit scores by loan type
Every loan program has its own floor, and lenders often add 'overlays' that raise the bar slightly.
- FHA: 500 with 10% down / 580 with 3.5% down.
- Conventional: 620.
- VA: no VA minimum (most lenders require 580–620).
- USDA: 640.
- Jumbo: 700+ typically.
- Non-QM: 600+ on most programs.
How fast can you raise your score before buying?
Paying revolving balances down below 30% of the credit limit can lift a score 20–40 points within one statement cycle. Removing collections, disputing errors, and avoiding new credit pulls also help. Casa Nova Lending runs a free credit analysis as part of pre-approval and flags the fastest wins.
Frequently asked questions
Keep reading
All articlesFHA Loan Requirements in Florida (2026 Guide)
Everything Florida buyers need to qualify for an FHA loan in 2026 — credit, down payment, DTI, MIP, and the 2026 county loan limits.
Conventional Loan vs. FHA: Which Is Better in Florida?
A clear comparison of conventional and FHA loans for Florida buyers, including down payment, PMI vs MIP, credit, and total cost.