What Credit score do I need to buy a home in mississippi?

Credit score needed to buy a home in Mississippi depends on your loan type. Here’s a quick guide:

• FHA Loans: 580 + (3.5 % down payment)

• VA Loans: Typically 620 + (no down payment)

• Conventional Loans: 620 + for best rates

• USDA Loans: 640 + recommended

Even with lower scores, local lenders often have flexibility. Focus on paying down debt and avoiding new credit inquiries 90 days before applying.

👉 Ask Jonathan Webb for a list of DeSoto County lenders who specialize in credit coaching for buyers.