Exactly what credit rating do you need getting good HomeReady financing? Seattle: $87,600 Dallas: $68,640 Tulsa, Okla.: $58,400 Detroit, Mich.: $64,960 Keep in mind that these numbers should be different within the specific parts thus make sure to research of the direct assets address. Or simply just apply to good HomeReady lender to verify the qualifications. Roommate and ADU income The new roommate is not to the financing otherwise title