What credit score do I need to buy a house?

FHA: 580+ (3.5% down) or 500+ (10% down). Conventional: 620+. VA/USDA: varies by lender. Some programs accept lower scores.

Can I buy a house with a 500 credit score?

FHA may allow 500–579 with 10% down. Many lenders require higher scores. Non-QM or portfolio loans may have different options.

What score do first-time buyers need?

Same as other buyers—requirements depend on loan type. FHA and VA may be more accessible for first-time buyers.

What if my score is low?

Improve your score before applying, pay down debt, or explore FHA, VA, or non-QM options. Shop multiple lenders.

What Credit Score Is Needed to Buy a House?

Disclaimer: This website provides general mortgage and financial information for educational purposes only. It does not constitute financial, legal, or mortgage advice. Housentia is not a licensed mortgage broker, lender, or loan originator.

This content is provided for general educational purposes only and does not constitute financial, legal, or mortgage advice.

Introduction

The credit score needed to buy a house depends on the loan type. FHA may accept 580+ (3.5% down) or 500+ (10% down). Conventional typically requires 620+. VA and USDA have lender-set minimums. See Credit Score for Mortgage, First Time Home Buyer, and Steps to Buy a House with a Mortgage.

Frequently Asked Questions

What credit score do I need to buy a house?: FHA: 580+ (3.5% down) or 500+ (10% down). Conventional: 620+. VA/USDA: varies by lender. Some programs accept lower scores.
Can I buy a house with a 500 credit score?: FHA may allow 500–579 with 10% down. Many lenders require higher scores. Non-QM or portfolio loans may have different options.
What score do first-time buyers need?: Same as other buyers—requirements depend on loan type. FHA and VA may be more accessible for first-time buyers.
What if my score is low?: Improve your score before applying, pay down debt, or explore FHA, VA, or non-QM options. Shop multiple lenders.

Educational Disclaimer

This content is provided for general educational purposes only and does not constitute financial, legal, or mortgage advice.

Housentia is not a lender, mortgage broker, or loan originator.

Requirements vary by lender and program.