To buy a house in Texas in 2026, the minimum credit score you need depends heavily on the type of loan you choose. While some government-backed programs technically allow scores as low as , most Texas lenders set their own "overlays," typically requiring at least 580 to 620 for approval. Improving your score beyond these minimums is often recommended, as a higher score is the most effective way to secure a lower mortgage interest rate. Minimum Credit Scores by Loan Type
Buying a House in Texas: 15 Things You Need to Know for 2023 credit score to buy a house in texas