Wells Fargo can go as low as a 600 score and you will not have to pay additional down payment money. There are programs available that you can go lower than that but will cost you slightly more down payment money (money out of pocket at closing). If you are lower than a 600, most lenders have programs available that allows them to recommend to you what things you can do to increase your credit scores. Once you do that they can submit you for a rapid rescore which will allow them to get your score increased extremely quickly (ususally less than 5 days) I'd love to help you with your home purchase and assist in getting you connected with some local lenders here in our area! Please feel free to contact me!