620 is the standard minimum for most private lenders.
No official minimum , but lenders typically look for 640 .
Usually require 700–720+ due to higher loan amounts. 📊 Loan Comparison Table (2026) Down Payment FHA 3.5% – 10% Lower credit scores, first-time buyers VA 580 – 620* Veterans and active-duty military Conventional 3% – 20% Strong credit, higher down payments USDA Rural and some suburban properties Jumbo 700 – 720+ 10% – 20% High-value properties *Typical lender requirement, not a government mandate. 💡 Key Considerations for Low Scores minimum score to buy a house
Individual lenders often set their own minimums (called "overlays") that are 20–40 points higher than the program minimum.
Find available in your state?
Review reports from Equifax , Experian , and TransUnion ; disputing errors can lead to a fast jump.
No official minimum , but most lenders require 580–620 . 620 is the standard minimum for most private lenders
The minimum credit score to buy a house generally ranges from , depending on the type of mortgage loan you use. 🏠 Minimum Scores by Loan Type