What Credit Score Do You Need to Buy a Home in 2025 in Jacksonville Florida?
To buy a home in Jacksonville, Florida, the minimum credit score you need depends on the loan type you're applying for:
1. For FHA, you can go as low as 500 with 10% down or 580 with 3.5% down. Now with a 500 it is much harder to find lenders, but it can be done.
2. For a Conventional Loan minimum score is 620. Better rates at 680+ and excellent terms at 740+.
3. For VA Loan 580-620 (varies by lender) No down payment required; It is only available to veterans and active military.
4. Lastly, for USDA Loan a minimum of 640 is needed. Must be eligible rural/suburban areas.
Check out my next blog for tips to strengthen your approval!
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