For most borrowers in 2026, , though you can qualify with a score as low as 500 through specialized government-backed programs like FHA loans.
Lenders use different thresholds based on the risk associated with each loan program: is my credit good enough to buy a house
Most commercial banks and lenders like Rocket Mortgage require at least 620. Note that in 2026, some guidelines from Fannie Mae and Freddie Mac have become more flexible, looking at broader financial pictures like rental history, though individual lenders often maintain their own 620 minimums. FHA Loans (500–580): 580+: Qualifies you for the low 3.5% down payment option. For most borrowers in 2026, , though you
While you can "pass" with a lower score, your credit health directly determines your interest rate, which can cost or save you tens of thousands of dollars over the life of the loan. Minimum Score Requirements by Loan Type FHA Loans (500–580): 580+: Qualifies you for the low 3
These rural-focused loans generally require a 640, though some lenders may consider lower scores with a deeper manual review.