Score To Buy A House | How Good Of A Credit

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

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 how good of a credit score to buy a house

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. The most common standard; scores below this usually

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 USDA 640