What Credit Score Do I Need to Buy a House in 2026?
Learn the minimum credit score for each mortgage type in Virginia, Maryland & DC.
Frequently Asked Questions
What is the minimum credit score to buy a house?
It depends on the loan type. FHA loans require a minimum of 580 for 3.5% down. Conventional loans require 620. VA loans have no official minimum but most lenders want 580–620.
Can I buy a house with a 580 credit score?
Yes. An FHA loan allows you to buy with 3.5% down if your score is 580 or higher. You may also qualify for a VA loan if you are an eligible veteran.
What credit score gets the best mortgage rate?
Generally, a score of 740 or higher will get you the best available interest rates on most loan programs. Scores above 760 can unlock the lowest rates on conventional and jumbo loans.
Related Programs
- FHA Loans — 3.5% down payment, credit scores from 580, ideal for first-time home buyers
- VA Loans — Zero down payment for veterans, active-duty military, and surviving spouses
- Conventional Loans — Fannie Mae and Freddie Mac, financing up to 97%, credit from 620
- Jumbo Loans — For properties exceeding 2026 conforming loan limits ($832,750 most counties)
- Non-QM Loans — Bank statement loans for self-employed, 1099 income, DSCR, and ITIN loans