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.
Higher requirements for luxury homes exceeding standard loan limits. Why Your Score Matters
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
Your credit score doesn't just determine you get a loan, but also how much it costs . What credit score is needed to buy a house? | Fidelity
Typically required for automated approval; lower scores may need manual review. 700+
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
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
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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.
Higher requirements for luxury homes exceeding standard loan limits. Why Your Score Matters 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
Your credit score doesn't just determine you get a loan, but also how much it costs . What credit score is needed to buy a house? | Fidelity Minimum Credit Scores by Loan Type Your credit
Typically required for automated approval; lower scores may need manual review. 700+
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
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
