Buy A House: Is My Credit Good Enough To

While the Department of Veterans Affairs doesn't set a hard floor, most private lenders set their own "overlays" between 580 and 620 .

Lenders use different thresholds based on the risk associated with each loan program: is my credit good enough to buy a house

Because these loans exceed standard limits (over $832,750 in 2026), they require much higher credit scores and larger down payments. Score Tiers and Interest Rates (March 2026) While the Department of Veterans Affairs doesn't set