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
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. how good of a credit score to buy a house
Typically required for automated approval; lower scores may need manual review. 700+ how good of a credit score to buy a house
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 how good of a credit score to buy a house