Credit Score To Buy A House | How Good Of A

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.

Higher requirements for luxury homes exceeding standard loan limits. Why Your Score Matters how good of a credit score to buy a house

Lenders often set their own "overlays"—internal requirements that may be 20–40 points higher than the official program minimums listed below. Minimum Credit Score Key Details 620 To buy a house in 2026, you generally

Typically required for automated approval; lower scores may need manual review. 700+ To buy a house in 2026

While a score of is considered "good" by general standards, a 740+ score is typically required to unlock the most competitive interest rates and terms. Minimum Credit Scores by Loan Type