Requirements vary significantly based on whether the loan is backed by the government or a private lender: What credit score is needed to buy a house? | Fidelity

To buy a house in 2026, you generally need a credit score of at least , though options exist for scores as low as 500 with a larger down payment. While there is no single "universal" minimum, your score dictates which loan programs you qualify for and the interest rate you will pay. Minimum Credit Scores by Loan Type