Is My Credit Good Enough To Buy A House [FREE ✧]

While you can "pass" with a lower score, your credit health directly determines your interest rate, which can cost or save you tens of thousands of dollars over the life of the loan. Minimum Score Requirements by Loan Type

For most borrowers in 2026, , though you can qualify with a score as low as 500 through specialized government-backed programs like FHA loans. is my credit good enough to buy a house

Lenders use different thresholds based on the risk associated with each loan program: While you can "pass" with a lower score,

While the Department of Veterans Affairs doesn't set a hard floor, most private lenders set their own "overlays" between 580 and 620 . is my credit good enough to buy a house