Minimum credit score requirements vary by loan program. Conventional loans often require higher scores, while FHA loans may allow lower credit scores with a larger down payment. Your credit score affects loan eligibility, interest rate, and monthly payment, making it a key factor in the mortgage approval process.
What credit score do I need to buy a home?
July 24, 2026
From the blog
Learn more with articles from our blog.
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New Credit Score Models Could Help More Buyers Qualify for a Mortgage
When you're ready to buy.
1
Apply online
A local loan officer will review your information and give you an estimate of what you could spend on a home — without affecting your credit.
2
Get expert help
Ask about first-time homebuyer programs, down payment assistance, and other options you may not know you qualify for.
3
Find your home
Your local team stays with you at every step — answering questions and helping you land the right loan for your situation.
