How Much Credit Score You Need To Buy A House Apr 2026

To buy a house in 2026, you generally need a credit score between , depending on the loan type. While there is no longer a strict federal minimum for many conventional loans as of late 2025, most private lenders still use 620 as a baseline threshold. Higher scores, typically 740 or above , are required to unlock the most competitive interest rates and lower insurance premiums. Minimum Score by Loan Type