What Credit Score Do You Need to Buy a House?

There's no single magic number, but your credit score plays a big role in the loans and interest rates you qualify for. Here's a general guide.

Typical Minimums by Loan Type

FHA loans often allow scores as low as the 500s to 580s with certain conditions, conventional loans usually start around 620, and VA loans have no set minimum but lenders often look for around 620.

Higher Scores, Better Terms

A higher credit score generally means a lower interest rate, which can save you a significant amount over the life of your loan.

How to Strengthen Your Credit

Paying bills on time, lowering credit card balances, and avoiding new debt before buying can all help. Even a small improvement can make a difference.

Not Sure Where You Stand?

As your REALTOR, I can connect you with lenders who'll review your credit and map out a plan. Reach out and we'll figure out your next step.