+12 First Time Home Buyer Ohio Credit Score References. If you have a credit score of 580 or higher, you only need a 3.5 percent down payment. 5% grant from communities first ohio

Minimum credit score of 640 must move into the house as your primary residence within 60 days becoming an ohio first time home buyer planting roots and settling down in. Therefore, your credit score relies on your credit. Buying your first home is an exciting journey.