Blog Post:
What Credit Score Do You Need to Buy a House in 2025?
Buying a home is a major financial decision, and your credit score plays a vital role in determining whether you'll get approved for a mortgage—and at what rate. So, what credit score do you actually need to buy a house?
Minimum Credit Score Requirements by Loan Type:
Conventional Loan – 620 minimum
Most lenders require at least a 620 credit score for conventional mortgages, though higher scores will get you better interest rates.
FHA Loan – 500 to 580
FHA loans are designed for first-time buyers and those with lower credit. A score of 580 or above lets you qualify with just 3.5% down. Scores between 500–579 may require a 10% down payment.
VA Loan – No official minimum
VA loans are for eligible veterans and active service members. While there's no official minimum, most lenders prefer a score of 620+.
USDA Loan – 640 preferred
For rural and suburban buyers, USDA loans usually require a score of 640 or higher for streamlined processing.
Why Credit Scores Matter
Lenders use your credit score to evaluate your reliability as a borrower. Higher scores often mean:
Lower interest rates
More loan options
Easier approval process
Tips to Improve Your Credit Score:
Pay bills on time
Reduce your credit card balances
Avoid opening new accounts unnecessarily
Check your credit report for errors
Important Links
Difference Between Residential and Commercial Real Estate
Real Estate Exit Strategies for Investors
Top Real Estate Marketing Strategies for Agents in 2025
How to Evaluate a Real Estate Investment
Tips for Buying Your First Rental Property
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