An "ok" credit score to buy a house in 2026 typically starts at , which is the standard minimum for most conventional mortgages. However, while a 620 gets you in the door, scores in the 680 to 739 range are considered "great" and are more likely to secure competitive interest rates. Credit Score Requirements by Loan Type

Minimum requirements vary significantly based on the type of mortgage you choose:

What Credit Score Do I Need To Buy a House? | Freedom Mortgage