First-Time Buyer· 5 min
What credit score do you actually need to buy a house in 2026?
Spoiler: it's lower than you think — and there are strategies to qualify even if you're below the threshold.
Many buyers assume they need a 740 credit score to buy a home. In reality, several programs allow scores in the low 600s, and FHA financing can go lower with compensating factors.
Your score affects your rate, not just your approval. Even a 20-point improvement can change your monthly payment. Paying down revolving balances below 30% of the limit is often the fastest lever.
If you are close to a threshold, ask us for a rapid rescore review before you apply.