Lenders often set their own "overlays," meaning their internal requirements may be 20–40 points higher than the program's official minimum. Typical Minimum Score Down Payment Key Advantage 580 (3.5% down) or 500 (10% down) 3.5% – 10% Most accessible for lower credit Conventional 3% – 20% Lower long-term costs for strong credit VA No official min (lenders often 580–620) No down payment for veterans USDA 640 (typical) Zero down for eligible rural areas Jumbo 700 – 720+ 10% – 20% For loans above conforming limits
To buy a house in 2026, the FICO score you need depends primarily on the loan program you choose. While you can technically qualify for certain government-backed loans with a score as low as (with a 10% down payment), most lenders prefer a score of at least 620 for conventional mortgages. Minimum FICO Scores by Loan Type fico score to buy a house
What is a good credit score to buy a house? - Fidelity Investments Lenders often set their own "overlays," meaning their
