What Are The Requirements To Buy A House -

How to buy a house: Your step-by-step guide to buying in 2026

: Can go as low as 500 (with 10% down) or 580 (with 3.5% down). VA and USDA Loans : Typically look for 580–640 . what are the requirements to buy a house

Lenders use these benchmarks to determine if you can realistically afford a mortgage. : Minimums vary significantly by loan type: Conventional Loans : Generally require a 620 or higher. How to buy a house: Your step-by-step guide

Beyond the sticker price of the home, you need liquid savings for several immediate expenses. what are the requirements to buy a house

: Lenders typically require two years of steady employment or self-employment in the same field. 2. Upfront Cash Requirements