What Should Credit Score Be To Buy A Home Apr 2026

Don't open new credit cards or take out an auto loan right before applying for a mortgage.

No official minimum set by the VA, but most private lenders look for at least a 580–620 . what should credit score be to buy a home

You get the "VIP treatment." You’ll qualify for the lowest interest rates available, saving you tens of thousands of dollars over the life of the loan. Don't open new credit cards or take out

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Even one late payment can tank your score by 50 to 100 points. 🔑 The Bottom Line

You are a strong candidate. You’ll get competitive rates and plenty of options.

You’ll likely get approved, but your interest rate will be higher. You might also have to pay higher Private Mortgage Insurance (PMI) premiums.