Credit Needed To Buy A House Apr 2026

: Possible qualification but requires a higher 10% down payment . VA Loans (Veterans/Service Members) :

The VA sets score, but most private lenders typically require at least 580 to 620 . USDA Loans (Rural/Suburban) : credit needed to buy a house

Your credit score often dictates which "bucket" of loan products you qualify for: : : Possible qualification but requires a higher 10%