For most borrowers in 2026, , though you can qualify with a score as low as 500 through specialized government-backed programs like FHA loans.
These rural-focused loans generally require a 640, though some lenders may consider lower scores with a deeper manual review. is my credit good enough to buy a house
While the Department of Veterans Affairs doesn't set a hard floor, most private lenders set their own "overlays" between 580 and 620 . For most borrowers in 2026, , though you