Good Enough Credit Score To Buy A House (2026 Edition)

: Most lenders, such as Chase Bank , strictly require at least 620 . What is a "Good" Score for Buying?

Lenders don't just look at your three-digit score. According to TBA Credit Union , they evaluate the : good enough credit score to buy a house

: Often requires a minimum between 580 and 620 , though some lenders like Freedom Mortgage may accept scores as low as 550. : Most lenders, such as Chase Bank ,

: Typically require a 620 , but may allow lower scores through manual underwriting. According to TBA Credit Union , they evaluate

: Reducing your credit utilization can provide a quick boost.

: Your available savings for a down payment and closing costs. Credit : Your history of on-time payments. Collateral : The value and condition of the home itself. Tips to Improve Your Score Quickly

While 620 is a common benchmark, several programs allow for lower scores: