What credit score do I actually need to buy a starter home right now as a recent college graduate with a short credit history?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What credit score do I actually need to buy a starter home right now as a recent college graduate with a short credit history?
3 real searches · 1 real-search pass
2026 current minimum mortgage credit score requirements FHA conventional Fannie Mae Freddie Mac VA USDA official 2026Google ↗
OBSERVEDShort fact
Fannie Mae no credit score borrower limited credit history nontraditional credit official selling guide 2026Google ↗
OBSERVEDYes / no
HUD FHA minimum credit score 580 3.5 percent down 500 10 percent officialGoogle ↗
OBSERVEDComparison
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2026 current minimum mortgage credit score requirements FHA conventional Fannie Mae Freddie Mac VA USDA official 2026 Google ↗
Fannie Mae no credit score borrower limited credit history nontraditional credit official selling guide 2026 Google ↗
HUD FHA minimum credit score 580 3.5 percent down 500 10 percent official Google ↗
- FHA loans · consumerfinance.gov
- General Requirements for Credit Scores · selling-guide.fanniemae.com
- VA Home Loan Entitlement And Limits · benefits.va.gov
- Single Family Housing Guaranteed Loan Program · rd.usda.gov
- Federal Housing Administration · hud.gov
- Eligibility Requirements for Loans with Nontraditional Credit · guide-selling.fanniemae.com
- Number and Types of Nontraditional Credit References · guide-selling.fanniemae.com
- AnnualCreditReport.com · annualcreditreport.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 current minimum mortgage credit score requirements FHA conventional Fannie Mae Freddie Mac VA USDA official 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
Fannie Mae no credit score borrower limited credit history nontraditional credit official selling guide 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
HUD FHA minimum credit score 580 3.5 percent down 500 10 percent official OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |