Is My Credit Good Enough To | Buy A House

While the Department of Veterans Affairs doesn't set a hard floor, most private lenders set their own "overlays" between 580 and 620 .

You may still qualify but typically must provide a 10% down payment. is my credit good enough to buy a house

These rural-focused loans generally require a 640, though some lenders may consider lower scores with a deeper manual review. While the Department of Veterans Affairs doesn't set

Most commercial banks and lenders like Rocket Mortgage require at least 620. Note that in 2026, some guidelines from Fannie Mae and Freddie Mac have become more flexible, looking at broader financial pictures like rental history, though individual lenders often maintain their own 620 minimums. FHA Loans (500–580): 580+: Qualifies you for the low 3.5% down payment option. is my credit good enough to buy a house