✦ Mortgage
What credit score do you need to buy a house?
Your credit score does not just determine if you can get a mortgage — it determines how much you will pay. A 100-point difference can cost $128,000 over 30 years.
CheckAfford
May 2025
7 min read
| | |
|---|
| Conventional | 620 | 740+ |
| FHA Loan | 580 (3.5% down) | 680+ |
| VA Loan (veterans) | No minimum (~620) | 720+ |
| USDA Loan (rural) | 640 | 700+ |
| Jumbo Loan ($800k+) | 700 | 760+ |
| | | |
|---|
| 760–850 | ~6.50% | ~$1,896 | ~$382,000 |
| 700–759 | ~6.75% | ~$1,946 | ~$400,000 |
| 660–679 | ~7.40% | ~$2,073 | ~$447,000 |
| 620–639 | ~8.30% | ~$2,253 | ~$511,000 |