What Credit Score Do You Need to Buy a House in 2026?

Minimum Credit Score to Buy a House

Typical guidelines include:

• Conventional loans: 620+
• FHA loans: 580+ (sometimes lower with conditions)
• VA loans: flexible, often 580–620 preferred

How Your Credit Score Affects Your Mortgage

Your credit score impacts:

• Your interest rate
• Loan options available
• Monthly payment

Even a small improvement in your score can save thousands over the life of your loan.

How to Improve Your Credit Score Before Buying

If you're planning to buy a home, consider:

• Paying all bills on time
• Reducing credit card balances
• Avoiding new credit applications
• Keeping older accounts open

Can You Buy a House with Lower Credit?

Yes, many loan programs are designed to help buyers with less-than-perfect credit.

Options may still be available depending on your full financial profile.

Final Thoughts on Credit Scores

You may already be closer to qualifying than you think.

👉 Abacus Financial can review your credit and help you understand your best next steps. Call 800-225-7285 to learn about your options.