The minimum credit score to buy a house generally ranges from , depending on the type of mortgage loan you use. 🏠 Minimum Scores by Loan Type
While specific lender requirements can vary, these are the standard program minimums for 2026: 500 (with 10% down) or 580 (with 3.5% down). minimum score to buy a house
No official minimum , but most lenders require 580–620 . The minimum credit score to buy a house
620 is the standard minimum for most private lenders. minimum score to buy a house
Ask a family member with excellent credit to add you to an established account.