You do not need a certain credit score. Obviously, the higher the score the better but there are programs out there for people without perfect credit. My advice is always to go talk to your lender and get pre-approved and they can advise you on any financing that is available to you. There are some government programs out there that help with down payment and also loans available for veterans and there families. Always go straight to the expert and they can direct you. You will need to be pre-approved before you can buy anyway. If you are interested in seeing any homes and you are not already working with an agent, please contact me. I would love to help and I have a great lender that I work with. 314-477-5076.