These rural-focused loans generally require a 640, though some lenders may consider lower scores with a deeper manual review.
You may still qualify but typically must provide a 10% down payment. is my credit good enough to buy a house
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. These rural-focused loans generally require a 640, though
Lenders use different thresholds based on the risk associated with each loan program: Note that in 2026, some guidelines from Fannie
For most borrowers in 2026, , though you can qualify with a score as low as 500 through specialized government-backed programs like FHA loans.
While the Department of Veterans Affairs doesn't set a hard floor, most private lenders set their own "overlays" between 580 and 620 .
While you can "pass" with a lower score, your credit health directly determines your interest rate, which can cost or save you tens of thousands of dollars over the life of the loan. Minimum Score Requirements by Loan Type