The last 1% is acceptable.
Sealing off a house to stop dust from entering would stop the vast majority of short range alpha and beta particles. The gamma radiation as you say is more troublesome though as some of that will be able to pass though the walls. There is a scientific mathematical equation to calculate the penetrating effect of gamma radiation. The short of it is though that just three feet of packed dirt (or any other material with the equivalent mass such as piles of books etc) would likely be sufficient to reduce the gamma radiation exposure down to an acceptable level. This can be achieved quite quickly by building a makeshift shelter inside you house using rubble sacks filled with dirt to act as a radiation shield.
To do this you push a sturdy table against a ground floor wall as close to the center of your house as possible to maximize the distance from external walls (due to the inverse square rule increasing the distance from the source considerably reduces the amount of gamma radiation received too). Then build a makeshift wall around the table using the dirt filled rubble sacks like sand bag bricks. Also put a layer or two on top of the table to protect from any gamma radiation coming from above caused by fallout that may land on the roof. Two feet of packed dirt bricks will probably be sufficient as you would also be surrounded by a brick house and have a few meters of distance from where the fallout has settled.
Also bare in mind that modern nuclear missiles will produce less radioactive fallout than what would have been expected to happen if there had been a nuclear exchange back in cold war era. Depending on various factors such as your location relative to nearby targets and the wind direction most people would be able to survive a nuclear exchange simply by staying indoors for two weeks with the windows closed. Unless you are unlucky regarding the wind direction or proximity to a target most people would probably experience only a relatively low level of fallout and radiation exposure.
Nuclear war is a lot more survivable than most people think it is. With just a little bit of knowledge and understanding of the concepts involved you could further increase your odds considerably. If anyone is interested to know more I suggest the book Nuclear War Survival Skills by Cresson Kearny as an ideal place to start. It’s not the cheeriest of reads ever I admit but it's very interesting nevertheless.