The minimum FICO score required to buy a home in 2026 typically starts at , but your specific requirement depends on the loan type and the lender's individual standards. While some government-backed programs allow for scores in the low 500s, most mainstream conventional loans require a minimum of 620 . Minimum FICO Requirements by Loan Type

Lenders use different "floors" depending on the risk level of the loan program: What credit score is needed to buy a house? | Fidelity what fico score is needed to buy a home