The credit score you need to buy a house depends directly on the type of mortgage loan you are applying for. While you can qualify for certain government-backed loans with a credit score as low as 500, a higher score will always secure significantly better interest rates and more favorable loan terms. Minimum Credit Score Requirements by Loan Type Mortgage Type Typical Minimum Score Core Benefit 580 (3.5% down) or 500 (10% down) Accessible to lower-credit or first-time buyers. Conventional Loan 620 The most common mortgage; no upfront government fees. VA Loan No official minimum (often 580–620 by lenders) Available to veterans/military; usually requires $0 down. USDA Loan No official minimum (often 640 by lenders) For rural properties; offers 100% financing. Jumbo Loan 700+ Used for luxury properties or expensive living areas. How Credit Score Ranges Impact Your Mortgage

Lenders use your credit scores to assess risk and determine your monthly interest rate. What credit score is needed to buy a house? | Fidelity