: You can still buy a home, but you may be limited to government-backed loans or pay higher interest. Beyond the Score: The "4 C's"

: Often requires a minimum between 580 and 620 , though some lenders like Freedom Mortgage may accept scores as low as 550.

While you can buy with a 620, a "good" score—one that unlocks better rates—is typically .

To buy a house, a is generally the minimum threshold for standard conventional loans. However, the "good enough" score depends heavily on the type of mortgage you choose and the interest rate you want to secure. Minimum Credit Scores by Loan Type

: Typically require a 620 , but may allow lower scores through manual underwriting.

: Most lenders, such as Chase Bank , strictly require at least 620 . What is a "Good" Score for Buying?

: Even one 30-day late payment can drop your score by 60 to 110 points .

: You will likely qualify for the most competitive interest rates and lower private mortgage insurance (PMI) costs.

Good Enough Credit Score To Buy A House May 2026

Good Enough Credit Score To Buy A House May 2026

: You can still buy a home, but you may be limited to government-backed loans or pay higher interest. Beyond the Score: The "4 C's"

: Often requires a minimum between 580 and 620 , though some lenders like Freedom Mortgage may accept scores as low as 550.

While you can buy with a 620, a "good" score—one that unlocks better rates—is typically . good enough credit score to buy a house

To buy a house, a is generally the minimum threshold for standard conventional loans. However, the "good enough" score depends heavily on the type of mortgage you choose and the interest rate you want to secure. Minimum Credit Scores by Loan Type

: Typically require a 620 , but may allow lower scores through manual underwriting. : You can still buy a home, but

: Most lenders, such as Chase Bank , strictly require at least 620 . What is a "Good" Score for Buying?

: Even one 30-day late payment can drop your score by 60 to 110 points . To buy a house, a is generally the

: You will likely qualify for the most competitive interest rates and lower private mortgage insurance (PMI) costs.