: Historically 620 , though recent policy shifts allow for more flexible evaluations of your full financial profile.
: Possible qualification but requires a higher 10% down payment . VA Loans (Veterans/Service Members) : credit needed to buy a house
In the 2026 mortgage market, while you can technically secure a home loan with a credit score as low as via specialized government programs, a score of 620 remains the standard gateway for most mainstream conventional financing. : Historically 620 , though recent policy shifts
Your credit score often dictates which "bucket" of loan products you qualify for: : : Historically 620
The VA sets score, but most private lenders typically require at least 580 to 620 . USDA Loans (Rural/Suburban) :