Generally requires a score of 700 to 720+ due to the higher risk of large loan amounts. Community Reviews & Expert Tips
500 minimum. A score of 500–579 requires a 10% down payment, while a score of 580+ allows for as little as 3.5% down.
620 is the standard industry minimum, though higher scores (740+) are needed to secure the most competitive interest rates. what is minimum credit score to buy house
No official government minimum, but most lenders require at least 580 to 620 .
Your credit score significantly dictates your interest rate. In 2026, a borrower with a score could save approximately $200 to $250 per month on a $400,000 mortgage compared to someone with a score in the low 600s. Over a 30-year term, this difference can amount to nearly $200,000 in total interest savings. Generally requires a score of 700 to 720+
The minimum credit score to buy a house depends entirely on the loan type, ranging from for certain government-backed loans to 620 for standard conventional loans.
Experts and homeowners often recommend aiming higher than the bare minimum to avoid "onerous" terms. 620 is the standard industry minimum, though higher
Typically 640 for automated approval, though manual underwriting may allow for lower scores.