Minimum credit score on top loans ; other lend types or factors may selectively influence minimal credit score standards NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each fiscal product and service .

Ally Bank : NMLS # 181005

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at Ally Bank 4.5 /5 Best for first-time home buyers 620

CONVENTIONAL:	620
JUMBO:	700

3 % Ally offers ceremonious loans with a fiddling as 3 % down .

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at Ally Bank NASB : NMLS # 400039

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at NASB 4.5 /5 Best for VA loans 640

CONVENTIONAL:	620
FHA:	620
VA:	660
JUMBO:	N/A

0 % On VA loans, NASB offers down payments vitamin a low as 0 % .

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at NASB Reali Loans : NMLS # 991397

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at Reali Loans 4.5 /5 Best for digital convenience 620

CONVENTIONAL:	620

5 % Reali Loans accepts a minimum devour payment of 10 % for loans of $ 453,100 or more ; accepts minimum down payment of 5 % for loan amounts less than that .

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at Reali Loans New american support : NMLS # 6606

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at New American Funding 5.0 /5 Best for FHA loans 620

CONVENTIONAL:	620
JUMBO:	N/A
FHA:	640
VA:	580
USDA:	640

3 % New american Funding works with down requital aid programs in 14 states, including California, Texas, Florida and Illinois .

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at New American Funding Pennymac : NMLS # 35953

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at Pennymac 4.5 /5 Best for first-time home buyers 620

USDA:	620
CONVENTIONAL:	620
VA:	620
JUMBO:	N/A
FHA:	620

3 %

Pennymac offers respective different home lend options for borrowers with less than a 20 % down payment .

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at Pennymac Carrington : NMLS # 2600 Read review 4.5 /5 Best for FHA loans 620

VA:	500
JUMBO:	N/A
FHA:	500
USDA:	550
CONVENTIONAL:	620

3 % Carrington offers conventional loans with equally little as 3 % down . Read reappraisal Wells Fargo : NMLS # 399801 Read review 4.5 /5 Best for digital convenience 620

VA:	620
JUMBO:	N/A
FHA:	620
USDA:	620
CONVENTIONAL:	620

3 % Wells Fargo accepts down payments a gloomy as 3 % on fixed-rate mortgages through its yourFirst mortgage program . Read review Flagstar : NMLS # 417490 Read reappraisal 5.0 /5 Best for refinancing 620

VA:	660
JUMBO:	N/A
FHA:	640
CONVENTIONAL:	620
USDA:	660

3 % Flagstar offers 3 % down payments on conventional loans for first-time home buyers . Read review Golden 1 Credit Union : NMLS # 669333 Read review 5.0 /5 Best for digital convenience 620

JUMBO:	N/A
FHA:	N/A
CONVENTIONAL:	620

3 % Golden 1 offers conventional loans with vitamin a little as 3 % depressed . Read follow-up LenderFI : NMLS # 133056 Read review 5.0 /5 Best for refinancing 620

JUMBO:	N/A
FHA:	500
CONVENTIONAL:	620

3 % LenderFi offers conventional loans with ampere small as 3 % down . Read reappraisal San Diego County Credit Union : NMLS # 580585 Read review 5.0 /5 Best for digital convenience N/A 5 %

SDCCU offers conventional loans for deoxyadenosine monophosphate short as 5 % down . Read review