Check out our home buyer lending guideline cheat sheet before you purchase your next home! Let's begin by looking at one of the most important lending factors--your FICO score. The FICO score requirement will vary based upon the type of loan--always consult with a reputable lender before beginning the home buying process. The FICO score required may also vary depending upon the amount of the down payment: 2017/2018 FICO Requirements (subject to change) Conventional loan: 620 Jumbo loan: 680 FHA: 580 VA: 580 Note: Consult with your lender regarding jumbo loans that allow for less than a