Minimum Score To Buy - A House

No official minimum , but lenders typically look for 640 .

While specific lender requirements can vary, these are the standard program minimums for 2026: 500 (with 10% down) or 580 (with 3.5% down). minimum score to buy a house

Find available in your state?

Ask a family member with excellent credit to add you to an established account. No official minimum , but lenders typically look for 640