We don't need an exact number but as a side note, you can get a free report from freecreditreport.com.

Banks look at tax history to help determine your reliability in making payments.

Unless you're a veteran, it typically costs 3 to 7 percent down to move into a home as a first time home buyer. If the house is 300k that would be 9k at 3% and 21k at 7%. You can be also gifted these funds from a friend or family member if you need a little help.

For a bank to approve a home loan, they use these numbers in a formula to calculate how much they can lend you.