What Do I Need to Buy a Home?

What’s the Minimum Credit Score to Buy a Home in Sacramento? | Raymond Maestas, Your Local Realtor

Thinking about buying a home in Sacramento? One of the first questions many buyers ask is:

“What credit score do I need to qualify for a mortgage?” As a trusted Realtor in Sacramento, I’m here to break it down for you.

Minimum Credit Score Requirements to Buy a Home

Your credit score plays a major role in your ability to secure a mortgage. Here's a quick look at the general requirements:

FHA Loans: Minimum credit score of 580 (with 3.5% down). Scores between 500–579 may qualify with 10% down.

Conventional Loans: Typically require a minimum score of 620.

VA Loans: No official minimum, but most lenders prefer a score of 620 or higher.

USDA Loans: Typically require a score of 640 or more.

Keep in mind—while these are general guidelines, each lender may have their own criteria. That’s why working with a knowledgeable Sacramento Realtor like me can help guide you to the best lending partner for your situation.

Other Mandatory Home Buying Requirements in Sacramento

Besides your credit score, you’ll also need to meet a few additional criteria:

Stable Income & Employment History

Debt-to-Income Ratio (DTI)—Usually under 43%

Down Payment—Varies by loan type (as low as 0% for VA and USDA loans)

Pre-Approval Letter from a Lender

Home Appraisal & Inspection

Ready to Buy in Sacramento?

Navigating the home buying process doesn’t have to be stressful. Whether you’re a first-time buyer or a seasoned homeowner, I’m here to guide you every step of the way.

Ray Maestas Folsom Realtor is a top agent in NorCal specializing in Folsom, Roseville, Fremont, Union City, Fair Oaks, El Dorado Hills, and the surrounding communities

Call or text me today at 510-932-2964

Email: Rayloveshomes@gmail.com

Visit: www.RayLovesHomes.com

Raymond Maestas – Your Sacramento Real Estate Expert

“Everybody loves a home.”

DRE #01793031 | eXp Realty