: Scores of 740 to 760+ typically unlock the most competitive interest rates and lowest fees. FHA Loans (Government-Backed) : 580+ : Qualifies for the minimum 3.5% down payment .
In the 2026 mortgage market, while you can technically secure a home loan with a credit score as low as via specialized government programs, a score of 620 remains the standard gateway for most mainstream conventional financing. credit needed to buy a house
The VA sets score, but most private lenders typically require at least 580 to 620 . USDA Loans (Rural/Suburban) : : Scores of 740 to 760+ typically unlock