Buyers often hear different minimums and want clarity on what each loan program actually requires.
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What is the minimum credit score to buy a home?
CONVENTIONAL LOANS
620 minimum for primary residence purchases.
You can check your loan options in under 60 seconds — fast, secure, and no credit impact.
FHA LOANS
580 minimum for 3.5% down.
500–579 allowed with 10% down.
VA LOANS
No official minimum.
Most lenders use 580–620 overlays.
USDA LOANS
No official minimum.
Most lenders require 620+.
WHY MINIMUMS VARY
Risk rules.
Program guidelines.
Lender overlays.
NEXT STEPS
Match your score to the right program.
Check for lender‑specific requirements.
Review your credit report for accuracy.
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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