"What credit score do I need to buy a house?" is one of the first questions buyers ask — and the honest answer is: there's no single magic number. The minimum depends on your loan program, and your score affects more than just approval. Here's the real picture.
General minimums by program
These are typical guidelines. Minimums vary by lender and can be higher than the program floor, and a strong overall file can sometimes offset a lower score:
- VA loans: The VA sets no minimum score, but many lenders look for roughly the upper-500s to low-600s.
- USDA loans: Often around 640 for streamlined automated approval; lower may be possible with manual underwriting.
- FHA loans: Commonly 580 for the 3.5%-down option; some buyers with scores in the 500s may still qualify with a larger down payment.
- Conventional loans: Usually 620 and up, with the best pricing typically reserved for scores in the mid-700s and above.
Your score isn't the whole story
Lenders look at the full picture: income, debt-to-income ratio, down payment, and your history — not just the number. A 660 with steady income and low debt can be in better shape than a 720 stretched thin. So don't rule yourself out based on score alone.
What a higher score gets you
Beyond qualifying, your score helps set your interest rate. A better score can mean a lower rate, which over 30 years adds up. That's why, if you're close to a threshold, a few months of focused work can genuinely pay off.
How to raise your score before you buy
- Pay down credit-card balances — keeping balances well under your limits helps the most.
- Pay every bill on time; even one late payment can sting.
- Don't open new credit cards or finance a car right before buying.
- Don't close old accounts — length of history helps you.
- Check your reports for errors and dispute them.
I'll review your credit with you at no cost and tell you honestly whether you're ready now or whether a short plan would save you real money. Not sure where you stand? Take the 30-second quiz or call me.