Rancho Serenidad


Qualifying Criteria for Purchasing a Home

The following are the current qualifying criteria for purchasing a home within our community:


  • For credit scores between 575-624: A 10% down payment is required, along with a 33% Housing Debt-to-Income Ratio (HDTI) and a 50% Debt-to-Income Ratio (DTI).

  • For credit scores of 625 or above: A 5% down payment is required, along with a 37% HDTI and a 50% DTI.

  • Minimum Household Income: We recommend a combined household income of $55,000 and above.

  • Criminal Background Screening: Required for all applicants.

Please Note: These criteria are current as of 4/1/2024. However, they are subject to change without prior notice.

If you have any questions or need further clarification, don't hesitate to contact us. We're here to assist you in finding your home in our community!

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