To buy a house in 2026, you generally need a credit score of at least , though options exist for scores as low as 500 with a larger down payment.
Your credit score doesn't just determine you get a loan, but also how much it costs . What credit score is needed to buy a house? | Fidelity how good of a credit score to buy a house
Typically required for automated approval; lower scores may need manual review. 700+ To buy a house in 2026, you generally
While a score of is considered "good" by general standards, a 740+ score is typically required to unlock the most competitive interest rates and terms. Minimum Credit Scores by Loan Type To buy a house in 2026