What Is A Decent Credit Score To Buy A House May 2026

The minimum score you need depends heavily on the specific mortgage program you choose: What credit score is needed to buy a house? | Fidelity

For most homebuyers in 2026, a to buy a house is generally considered to be 620 or higher . This score is the traditional baseline for a conventional mortgage , which is the most common type of home loan.

While you can technically qualify for certain government-backed loans with a score as low as , having a "good" score (typically 670–739 ) or "very good" score ( 740+ ) is what truly unlocks competitive interest rates and better loan terms. Credit Score Requirements by Loan Type