: No official minimum, but most lenders look for 580–620. USDA Loans : Usually require a 640 for automated approval. Why the Number Matters
: Better credit can lower your private mortgage insurance (PMI).
: Higher scores make the application process much smoother. credit score needed to buy a home
A credit score of is generally the minimum for a conventional mortgage, though different loan programs have varying requirements. Score Requirements by Loan Type
Aim for a to qualify for the most competitive interest rates and best terms available on the market. If you'd like to dive deeper into your options: : No official minimum, but most lenders look for 580–620
: 580 with a 3.5% down payment; 500–579 with 10% down. Conventional Loans : Typically require a 620 or higher.
Your to see current interest estimates Tips for boosting your score quickly before you apply : Higher scores make the application process much smoother
: Higher scores unlock lower rates, saving thousands over time.