No official floor, though is the standard lender requirement. Jumbo Loan 700+ Higher scores required for loans exceeding standard limits. Major 2026 Policy Shifts
The minimum FICO score required to buy a house in 2026 depends heavily on the type of mortgage loan you select. While some programs officially allow scores as low as , most lenders maintain internal "overlays" that typically require a score of 580 to 620 for approval. Minimum Credit Scores by Loan Type Minimum FICO Score Key Requirement / Benefit FHA Loan 500 – 580+ 580+ for 3.5% down; 500-579 requires 10% down. Conventional 620 what is the fico score to buy a house
No official floor, but lenders typically require . USDA Loan None (Official) No official floor, though is the standard lender requirement
Traditionally 620, but many lenders now use holistic risk assessments. None (Official) While some programs officially allow scores as low
Recent updates from major mortgage entities like Fannie Mae and Freddie Mac have significantly changed how credit is evaluated: FHA Loan Requirements in 2026
