What Kind Of Credit Score To Buy A House 【500+ Genuine】

What is a good credit score to buy a house? - Fidelity Investments

There is no official government minimum, but most lenders require a 580–620 . what kind of credit score to buy a house

Typically require a 620 minimum. These are best for those with strong credit (680+) to avoid high mortgage insurance costs. What is a good credit score to buy a house

For high-value properties exceeding roughly $832,750, you usually need a 700–720 or higher. How Your Score Affects Your Costs These are best for those with strong credit

Lenders typically look for a 640 for automated approval, though lower scores may be manually reviewed.

The most accessible option. You can qualify with a 580 for just a 3.5% down payment, or as low as 500 if you can provide a 10% down payment.

To buy a house in 2026, you generally need a credit score of at least for a low down payment government-backed loan or 620 for a conventional mortgage . While Fannie Mae recently shifted away from strict numeric minimums to a more holistic risk assessment, most lenders still maintain an internal baseline of 620. Credit Score Minimums by Loan Type