To Buy A House | Is My Credit Good Enough

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.

You may still qualify but typically must provide a 10% down payment. is my credit good enough to buy a house

Because these loans exceed standard limits (over $832,750 in 2026), they require much higher credit scores and larger down payments. Score Tiers and Interest Rates (March 2026) Most commercial banks and lenders like Rocket Mortgage

Lenders use different thresholds based on the risk associated with each loan program: 750 in 2026)