Credit Needed To: Buy A House

While no government minimum exists, lenders generally look for a score of for streamlined automated approval. The Financial Impact of Your Score

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. credit needed to buy a house

: Possible qualification but requires a higher 10% down payment . VA Loans (Veterans/Service Members) : While no government minimum exists, lenders generally look