For most borrowers in 2026, , though you can qualify with a score as low as 500 through specialized government-backed programs like FHA loans.
While you can "pass" with a lower score, your credit health directly determines your interest rate, which can cost or save you tens of thousands of dollars over the life of the loan. Minimum Score Requirements by Loan Type is my credit good enough to buy a house
While the Department of Veterans Affairs doesn't set a hard floor, most private lenders set their own "overlays" between 580 and 620 . For most borrowers in 2026, , though you
Because these loans exceed standard limits (over $832,750 in 2026), they require much higher credit scores and larger down payments. Score Tiers and Interest Rates (March 2026) For most borrowers in 2026