Wondering if your credit score is house-worthy? You are not alone. “What credit score do I need to buy a house?” is one of the most common questions future homeowners ask—and for good reason. Most lenders want to see a credit score of at least 620, but there’s no single “magic number.” The truth is, the better your score, the more doors (and lower rates) open up for you.
What’s the Minimum Credit Score to Buy a House?
To begin with, your credit score serves as a reflection of your financial reputation. Lenders use it to decide whether to approve your mortgage, and at what rate. Here’s a quick cheat sheet for the minimum credit score needed, depending on the loan type:
| Loan Type | Minimum Credit Score | What to Know |
| Conventional Loan | 620 | Best for buyers with steady income and stronger credit. |
| FHA Loan | 500 (with 10% down) | 580+ allows just 3.5% down; great for first-time buyers. |
| VA Loan | No official minimum | Designed for veterans; most lenders prefer 620+. |
| USDA Loan | 640 | Available for rural homebuyers who meet income guidelines. |
So, yes, you can buy a house with a credit score in the 500s. FHA loans are designed with more flexibility, especially if you’re putting more money down or buying your first home.
How Much Does Your Credit Score Affect Your Mortgage?
Most importantly, your credit score doesn’t just help you get a mortgage—it helps you get a better one. Think of it this way: a credit score of 760+ might earn you an interest rate that’s 1% to 1.5% lower than someone with a 620.
Let’s break that down. On a 30-year loan for $300,000, that rate difference could mean saving over $90,000 in interest. That’s not pocket change—that’s a new kitchen, college savings, or just breathing room in your monthly budget.
So while getting approved is one thing, getting approved smartly is another—every credit point matters.
What If My Credit Score Isn’t There Yet?
In summary, a less-than-perfect credit score doesn’t mean your homeownership dream is out of reach. There are plenty of buyers who start in the “low 600s” or even below.
FHA loans are a great starting point, and some lenders specialize in helping buyers improve their financial profile to qualify. You can also explore local and state programs that offer down payment assistance or alternative credit evaluation.
🎯 Pro tip: Even minor improvements—like paying down balances or correcting errors on your credit report—can boost your score in just a few months.
And don’t forget: it’s not just about qualifying. Every point you gain could lower your monthly payment and increase your buying power.
The Bottom Line:
There’s no magic number—but aiming for a credit score of 620 or higher is a smart, achievable goal. And if you’re not quite there yet? That’s okay. With a bit of guidance and some financial fine-tuning, you’ll be opening that front door before you know it. Need a boost? Start with the basics on how to improve your credit score
