What is the lowest credit score for USDA?

The lowest credit score a person can have on a USDA loan is 640.
 
To clarify, that’s the lowest of the three scores normally used pulled in a Mortgage Credit Report (MCR).
 
If there are only two scores available, then it’s the lowest of the two scores used for underwriting.
 
****Remember, guidelines change. Check with your lender for current information or contact Danny.

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