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Your credit score doesn't just determine you get a loan, but also how much it costs . What credit score is needed to buy a house? | Fidelity
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. how good of a credit score to buy a house
The most common standard; scores below this usually don't qualify. 500–580 580 for 3.5% down; 500–579 requires a 10% down payment. VA None No official VA minimum, but most lenders require 580–620 . USDA 640 Your credit score doesn't just determine you get
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 The most common standard; scores below this usually
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
Higher requirements for luxury homes exceeding standard loan limits. Why Your Score Matters
Typically required for automated approval; lower scores may need manual review. 700+
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