What Credit Score Do You Need for a Mortgage?

Short answer: It depends on the loan program — FHA loans can go as low as 580 (or even 500 with a larger down payment), while conventional loans typically start around 620. Higher scores unlock better rates on every program.

Minimum scores by program type

• FHA loans: 580 for 3.5% down, or as low as 500 with 10% down
• Conventional loans: generally 620 and up
• VA loans: no official minimum set by the VA, though most lenders look for 580-620
• Specialty programs (DSCR, Community Mortgage, Fix & Flip, etc.): vary by product — some go lower, since qualification is weighted differently

Why your score affects more than eligibility

Above the minimum, a stronger credit score generally unlocks a better interest rate and, on some programs, a lower down payment requirement. Two borrowers with the same loan amount can end up with meaningfully different monthly payments based on credit score alone.

What if your score is on the lower end?

Programs exist across the credit spectrum. Rather than assuming you don’t qualify, it’s worth having a real conversation — factors like your down payment, debt-to-income ratio, and overall financial picture matter alongside your score.

Find out where you stand

Get pre-qualified and we’ll walk through your specific credit profile and what it qualifies you for.