Good Credit: Score To Buy A Home

On conventional loans, a higher score lowers your monthly PMI premiums if you put less than 20% down. Expert Perspectives

A credit score of is typically required to secure the best mortgage interest rates and terms in 2026. While you can buy a home with a score as low as 500 through specialized programs, higher scores directly translate to lower monthly payments and substantial long-term savings. Credit Score Ranges & Loan Access

Keep credit card balances below 30% of your limit. good credit score to buy a home

Mortgage options expand significantly as your score improves:

The standard minimum for conventional loans ; rates will be higher. On conventional loans, a higher score lowers your

Review your reports from the Annual Credit Report site and dispute any inaccuracies.

Ensure zero late payments ; even one can drop your score by 60–110 points. Credit Score Ranges & Loan Access Keep credit

Access to most loan types with competitive rates.