The Best Minimum Credit Score For Mobile Home Loan 2022. Usda mobile home loans, on the other hand, do have their drawbacks. Some will expect you to have at least a fair credit score.

Typically, most lenders will require minimum credit scores of 580 to 620 to buy a mobile home. If you have a score below that range, you can still get a loan, but the interest. Hud minimum credit score guidelines to qualify for a 3.5% down payment home purchase mortgage loan is set at a 580 fico credit score.