Many buyers aren’t sure what score lenders expect or how strict the minimums really are.
Get the home financing clarity you deserve – simple, fast, and stress-free.
Takes about 60 seconds.
What credit score do I need to buy a home?
BASELINE MINIMUMS
Most loan programs require a score between 580 and 620 for primary residence approval.
You can check your loan options in under 60 seconds — fast, secure, and no credit impact.
CONVENTIONAL LOANS
620 is the standard minimum.
Higher scores improve pricing and approval strength.
FHA LOANS
580 minimum for 3.5% down.
500–579 allowed with 10% down.
VA AND USDA LOANS
No official minimum.
Most lenders use 580–620 overlays.
STRONGER SCORES HELP
Lower rates.
Higher approval odds.
More flexible underwriting.
NEXT STEPS
Check your current score.
Review program requirements.
Ask your lender which score version they use.
Ready to see your loan options? Start below — fast, secure, no credit impact, and takes under 60 seconds.
No credit pull. No obligations. Just real numbers.
Why these questions matter
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