What Credit Score Is Used To Buy A House Review

For a smooth home-buying process in 2026, the minimum credit score you need depends heavily on the loan type you choose. While some programs allow scores as low as , reaching a 620 or higher significantly expands your options and lowers your interest rates. 1. Minimum Credit Scores by Loan Type

Your score isn't just about "yes" or "no"—it directly affects your monthly payment. For example, a buyer with a might pay roughly $200–$250 less per month on a $400,000 loan than a buyer with a 640 score . What Credit Score Is Needed To Buy A House? - Zillow what credit score is used to buy a house

Lenders use your —specifically the median (middle) of your three scores from Equifax , Experian , and TransUnion—to determine eligibility. Mortgage Type Typical Minimum Score Conventional 620 Higher scores (740+) unlock the best rates. FHA Loan 580 (3.5% down) 500–579 is possible but requires 10% down . VA Loan 580 – 620 No official VA minimum, but most lenders set a floor. USDA Loan 640 Recommended for automated approval; $0 down payment. Jumbo Loan 700+ Stricter requirements for high-cost properties. 2. How Your Score Impacts Costs For a smooth home-buying process in 2026, the