What credit score do I need to buy a house?

Real EstateWarren TeamPublished April 25, 2026

Quick answer

You need 620 for a conventional loan, 580 for FHA (with 3.5% down), 580+ for VA. The best rates kick in at 740+. Below 580 most lenders won't approve, though some FHA lenders accept 500–579 with 10% down.

Minimum credit scores for different mortgage types.

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions. Read our disclaimers.

All questions

Get an answer built on your own numbers

Warren reads your accounts, then answers questions like this one with your real income, taxes and goals in mind.

Try Warren Free See a demo