Scores between 500 and 579 are possible but usually require a 10% down payment. : 620 minimum.
: No official government minimum score, though most lenders require 580–620 . what credit score you need to buy a home
Lenders typically use these baseline scores for the major 2026 mortgage programs: : 580 minimum for a 3.5% down payment. Scores between 500 and 579 are possible but
To buy a home in 2026, the minimum credit score you need generally starts at for a low down payment, though some programs allow scores as low as 500 with a larger down payment. While a higher score isn't always required for approval, it is the primary factor in securing a lower interest rate, which can save you tens of thousands of dollars over the life of your loan. Minimum Credit Scores by Loan Type Lenders typically use these baseline scores for the
: 700 to 720+ is standard for loans exceeding conforming limits (typically $806,500 in most areas for 2026). How Your Score Impacts Monthly Costs