Typical Credit Score To Buy A House Access

The , though requirements vary significantly by loan type. While a 620 score serves as a common baseline for conventional financing, the median credit score for actual home buyers reached a record high of 768 in 2025 due to elevated home prices and mortgage rates. Minimum Credit Scores by Loan Type

Lenders use different thresholds based on the government agency backing the loan. As of April 2026, these are the standard minimums: FHA Loan Requirements in 2026 typical credit score to buy a house