The basic answer is the higher the better. If your score is over 740, you are in great shape. If itâ€™s between 680 and 740 you will probably have no issues, but you wonâ€™t get the very best rates. If itâ€™s between 660 and 680 you should still be able to buy, but there are places and loan programs that will not work. Between 640 and 660 you are really at the bottom of where most lenders want you to be, but you will probably still be OK. Down to 620 to 640 you are now below where the majority of lenders want to be, but a few lenders will be OK at this level. From 620 down to 580 there are very few lenders out there that will do these loans, and you are probably going to pay higher fees and/or higher rate - and you may (probably will) have to put more money down. Anything below 580 is going to be really tough.