What credit score do you actually need to buy your first home in Winter Park, FL in 2026? For most first-time buyers in Winter Park, FL, you need a minimum credit score of 580 for an FHA loan with 3.5% down or 620 for a conventional loan. A score of 640 or higher unlocks the best down payment assistance programs in Orange County. Why Your Credit Score Matters More Than Ever in Winter Park If you have been renting in the Orlando area and watching homes along Park Avenue or nea