What Credit Score Do You Need to Buy a House in Florida?
Why Credit Score Matters When Buying a Home
When you're looking to buy a house in Florida—especially in high-demand areas like Lake Nona, St. Cloud, or Kissimmee—your credit score plays a huge role in the homebuying process. It can affect:
Your loan approval
The interest rate you're offered
Your down payment requirements
Put simply: the better your score, the better your home loan options.
What’s the Minimum Credit Score to Buy a House in Florida?
The minimum credit score depends on the type of loan you’re applying for. Here's a breakdown of the most common mortgage types in Florida:
FHA Loan
Minimum Credit Score: 580 (or 500 with 10% down)
Great for: First-time buyers or those with lower credit
Conventional Loan
Minimum Credit Score: 620
Great for: Buyers with good credit and steady income
VA Loan (for Veterans)
Recommended Score: 620
Down Payment: $0
Only for: Eligible veterans or active-duty military
USDA Loan
Minimum Credit Score: 640
Designed for: Buyers in eligible rural or suburban areas, some parts of St. Cloud and Kissimmee may qualify
How to Improve Your Credit Score Before Buying
If your credit score isn't where it needs to be yet—don’t worry! Many homebuyers take time to improve their credit before getting pre-approved.
4 Quick Tips to Boost Your Score
Pay your bills on time
Keep credit card balances low
Avoid opening new lines of credit before applying
Check your credit report for errors
Why Buyers in Lake Nona, St. Cloud & Kissimmee Should Know Their Credit Score Early
These Florida cities are popular for their new developments, family-friendly neighborhoods, and proximity to Orlando. But high demand means competitive markets.
Knowing your credit score in advance helps you:
Get pre-approved quickly
Make strong offers
Avoid last-minute surprises
MainStreet Realty agents are here to help you understand the financing side and connect you with trusted mortgage lenders in your area.
Frequently Asked Questions
What credit score do I need to buy a house in Florida in 2025?
Most buyers need a minimum of 620 for a conventional loan, but FHA loans allow scores as low as 580 with 3.5% down.
Can I buy a house in Lake Nona or Kissimmee with bad credit?
Yes—especially through FHA or VA loans, if you meet income and down payment requirements.
How much should I save before buying a house?
Besides the down payment (3%–20%), budget for closing costs (2%–5%) and inspection fees.
Is MainStreet Realty only for first-time homebuyers?
No, we work with all types of buyers—first-time, move-up, downsizing, or investing.
FAQs About MainStreet Realty
Who is MainStreet Realty?
We’re a local real estate team helping buyers and sellers in Lake Nona, St. Cloud, Kissimmee, and beyond. We focus on personal service, local market knowledge, and smart buying strategies.
Can MainStreet Realty help me get pre-approved?
Yes—we connect you with reliable lenders in Florida who specialize in working with buyers at all credit levels.
What makes MainStreet Realty different?
We offer hyperlocal guidance, negotiation expertise, and custom home search tools to help you find the perfect fit—without pressure.
Ready to Take the Next Step? Let’s Talk!
At MainStreet Realty, we believe that every buyer deserves a chance to own a home, regardless of their starting point. If you’re not sure where your credit stands—or how to start—our agents are happy to walk you through it.
Call us today or visit https://buymainstreetre.com to get started!
Email: [email protected]
Address: 2 Volusia Drive Debary, FL, 32713
Phone Number: Orlando: 407-789-0925 | Volusia: 386-259-2426 | Lake:352-729-1425
