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- – USDA Loan Credit Score Requirements The USDA does not set a minimum credit score requirement, but most lenders require a score of at least 640, which is the minimum score needed to qualify for automatic approval using the USDA’s Guaranteed Underwriting System (GUS).
USDA Loan Frequently Asked Questions – NC FHA Experts – Most loan officers are not familiar with the USDA Home Loan Program – which is a shame, because it’s one of the best No Money Down Home Loans available in NC!