To buy a house in 2026, you generally need a credit score of at least , though options exist for scores as low as 500 with a larger down payment.
Lenders often set their own "overlays"—internal requirements that may be 20–40 points higher than the official program minimums listed below. Minimum Credit Score Key Details 620 how good of a credit score to buy a house
While a score of is considered "good" by general standards, a 740+ score is typically required to unlock the most competitive interest rates and terms. Minimum Credit Scores by Loan Type To buy a house in 2026, you generally
The most common standard; scores below this usually don't qualify. 500–580 580 for 3.5% down; 500–579 requires a 10% down payment. VA None No official VA minimum, but most lenders require 580–620 . USDA 640 Minimum Credit Scores by Loan Type The most