: Scores of 740 to 760+ typically unlock the most competitive interest rates and lowest fees. FHA Loans (Government-Backed) : 580+ : Qualifies for the minimum 3.5% down payment .
: Possible qualification but requires a higher 10% down payment . VA Loans (Veterans/Service Members) : credit needed to buy a house
In the 2026 mortgage market, while you can technically secure a home loan with a credit score as low as via specialized government programs, a score of 620 remains the standard gateway for most mainstream conventional financing. : Scores of 740 to 760+ typically unlock