What credit score do I need to buy a house?
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.
Warren Team
Updated March 8, 2026
34
Warren Team
Updated March 8, 2026
34
Important Disclaimer:
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.
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