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.
Higher requirements for luxury homes exceeding standard loan limits. Why Your Score Matters how good of a credit score to buy a house
While a score of is considered "good" by general standards, a 740+ score is typically required to unlock the most competitive interest rates and terms. Minimum Credit Scores by Loan Type To buy a house in 2026, you generally