Lenders use your credit score to gauge risk; consequently, different government-backed and private programs have established distinct "floors" for eligibility. Loan Program Minimum Credit Score Down Payment Requirement FHA Loan Conventional 3%–5% Down VA Loan No official floor Typically 580–620 (Lender-set) USDA Loan 0% Down (Typical lender floor) Jumbo Loan 700–720+ 10%–20% Down Key Factors for 2026 Homebuyers VA Loan Credit Score Minimums and Lender Requirements
The minimum credit score required to buy a house in 2026 generally ranges from , depending heavily on the specific loan program you choose. While a lower score can get you into a home, it often requires a larger down payment or results in significantly higher interest rates. Minimum Credit Score by Loan Type (2026 Estimates) min credit score to buy a house