Typically required for automated approval; lower scores may need manual review. 700+
The most common standard; scores below this usually don't qualify. 500–580 580 for 3.5% down; 500–579 requires a 10% down payment. VA None No official VA minimum, but most lenders require 580–620 . USDA 640 how good of a credit score to buy a house
To buy a house in 2026, you generally need a credit score of at least , though options exist for scores as low as 500 with a larger down payment. Typically required for automated approval; lower scores may