To buy a house in 2026, the credit score you need depends primarily on the type of mortgage loan you choose. While 620 is often cited as a standard minimum for many loans, new 2026 guidelines from major agencies like Fannie Mae and Freddie Mac have shifted toward a more holistic evaluation of overall risk rather than just a single numeric threshold. Minimum Credit Scores by Loan Type
What is a good credit score to buy a house? - Fidelity Investments what credit do you need to buy a house
