To buy a home in 2026, the minimum credit score you need generally starts at for a low down payment, though some programs allow scores as low as 500 with a larger down payment. While a higher score isn't always required for approval, it is the primary factor in securing a lower interest rate, which can save you tens of thousands of dollars over the life of your loan. Minimum Credit Scores by Loan Type
: No official government minimum score, though most lenders require 580–620 . what credit score you need to buy a home
Lenders typically use these baseline scores for the major 2026 mortgage programs: : 580 minimum for a 3.5% down payment. To buy a home in 2026, the minimum
Scores between 500 and 579 are possible but usually require a 10% down payment. : 620 minimum. Lenders typically use these baseline scores for the