Is My Credit Good Enough To Buy A House -

For most borrowers in 2026, , though you can qualify with a score as low as 500 through specialized government-backed programs like FHA loans.

While you can "pass" with a lower score, your credit health directly determines your interest rate, which can cost or save you tens of thousands of dollars over the life of the loan. Minimum Score Requirements by Loan Type is my credit good enough to buy a house

You may still qualify but typically must provide a 10% down payment. For most borrowers in 2026, , though you