What Credit Score is Required to Buy a House? (2026 Guide) The short answer is that to buy a home. Instead, the score you need depends on the type of loan you choose. While some programs allow scores as low as 500 , having a score of 620 or higher opens up the most common mortgage options. 1. FHA Loans: Best for Lower Credit (500–580+)
Real Estate #11 – What credit score is required to buy a house? what credit score is required to buy a house
These are the most common mortgages and aren't backed by the government. While some programs allow scores as low as
Qualifies you for the minimum down payment of just 3.5% . These are the most common mortgages and aren't
Most lenders (like Rocket Mortgage ) set their own internal minimums, often at 580. 2. Conventional Loans: The Standard Choice (620+)
You may still qualify, but you will typically need to provide a 10% down payment .
FHA loans are insured by the Federal Housing Administration and are designed to help buyers who may not qualify for traditional financing.
