You may still qualify, but you will typically need to provide a 10% down payment .

These are the most common mortgages and aren't backed by the government.

Qualifies you for the minimum down payment of just 3.5% .

What Credit Score is Required to Buy a House? (2026 Guide) The short answer is that to buy a home. Instead, the score you need depends on the type of loan you choose. While some programs allow scores as low as 500 , having a score of 620 or higher opens up the most common mortgage options. 1. FHA Loans: Best for Lower Credit (500–580+)

Most lenders (like Rocket Mortgage ) set their own internal minimums, often at 580. 2. Conventional Loans: The Standard Choice (620+)

Real Estate #11 – What credit score is required to buy a house?

FHA loans are insured by the Federal Housing Administration and are designed to help buyers who may not qualify for traditional financing.