If you’re thinking about buying a home, one of the first questions people ask is:
“What credit score do I need to get a mortgage?”
The answer depends on the type of loan you’re applying for. Different loan programs allow different minimum credit scores, and some are more flexible than others.
Here’s a simple guide to help you understand what lenders typically look for in 2026.
Minimum Credit Score for a Mortgage (Quick Answer)
Most home loans require the following minimum credit scores:
- Conventional loans: 620
- FHA loans: 580 (3.5% down)
- VA loans: around 620 for most lenders
- USDA loans: 640
Actual requirements may vary depending on the lender and the borrower’s financial profile.
Minimum Credit Score by Loan Type
Conventional Loans
Conventional loans are the most common type of mortgage.
Typical minimum credit score:
620
However, borrowers with higher scores usually receive better interest rates and lower costs.
General guideline:
| Credit Score | What to Expect |
|---|---|
| 740+ | Best rates available |
| 700–739 | Very competitive rates |
| 660–699 | Good approval chances |
| 620–659 | Minimum range for many lenders |
FHA Loans
FHA loans are popular with first-time homebuyers because they allow lower credit scores and smaller down payments.
Minimum requirements:
| Credit Score | Down Payment |
|---|---|
| 580+ | 3.5% down |
| 500–579 | 10% down |
Many lenders still prefer 580 or higher, but FHA loans remain one of the most flexible options.
VA Loans
VA loans are available to eligible military service members, veterans, and some surviving spouses.
The Department of Veterans Affairs does not set an official minimum credit score, but most lenders typically look for:
620 or higher
Benefits of VA loans include:
- No down payment requirement
- No monthly mortgage insurance
- Competitive interest rates
USDA Loans
USDA loans help buyers purchase homes in eligible rural and suburban areas.
Typical minimum credit score:
640
USDA loans can offer:
- 0% down payment
- Reduced mortgage insurance costs
- Competitive interest rates
Why Credit Scores Matter
Your credit score affects more than just approval.
It can impact:
- Your interest rate
- Your monthly payment
- Your loan options
- Your required down payment
For example, a borrower with a 740 credit score may receive a significantly better interest rate than someone with a 640 score, even if both qualify for the same loan.
What If Your Credit Score Is Too Low?
The good news is that credit scores can often improve faster than people expect.
Many buyers are able to increase their score in 60–90 days by:
- Paying down credit card balances
- Avoiding new credit inquiries
- Making all payments on time
- Correcting errors on their credit report
Even a small improvement in your credit score can make a meaningful difference in loan options and interest rates.
The Bottom Line
There isn’t just one credit score requirement for home loans. Different loan programs allow different credit ranges.
Typical minimums in 2026 are:
- Conventional loans: 620
- FHA loans: 580 (sometimes lower with larger down payment)
- VA loans: around 620 for most lenders
- USDA loans: 640
If you’re unsure where you stand, a quick pre-approval can help you understand your options and what steps—if any—may improve your loan terms.
Thinking about buying a home?
Understanding your credit is one of the first steps. If you’d like help reviewing your options or preparing for pre-approval, I’d be happy to help guide you through the process.
Frequently Asked Questions
Can I buy a house with a 600 credit score?
Yes, some loan programs may allow scores around 600, but options are limited. FHA loans are often the most flexible.
What credit score gets the best mortgage rates?
Borrowers with scores above 740 usually qualify for the most competitive mortgage rates.
Does checking my credit hurt my score?
A mortgage credit check typically causes a small temporary drop, but multiple mortgage inquiries within a short time are usually treated as one inquiry.