What Credit Score Do You Need to Buy a House in 2026?

Written By Brian Kimball

Many people believe you need perfect credit to buy a home. That’s not true.

Minimum Credit Scores by Loan Type

While guidelines vary, here’s a general idea:

  • FHA loans: typically 580+, but lower by exception

  • Conventional loans: typically 600+, but lower by exception

  • VA loans: no minimum requirement, but 580+ is suggested

What a Higher Score Actually Does

A higher score can:

  • Lower your interest rate

  • Reduce your monthly payment

  • Expand your loan options

What Matters Beyond Your Score

Lenders also look at:

  • Income stability

  • Debt levels

  • Down payment

  • Overall financial profile

How to Improve Your Score

  • Pay down credit cards

  • Make on-time payments

  • Avoid new credit inquiries

  • Keep balances low

Key Takeaway

Your credit score matters—but it’s only one piece of the puzzle.

Brian Kimball, Sr. Mortgage Advisor/Team Leader, The Lighthouse Group at Waterstone Mortgage

Brian Kimball
Previous

How Do Mortgage Rates Actually Work?