To buy a home in 2026, most borrowers need a , depending on the specific loan program. While a 620 score is a common baseline for standard mortgages, government-backed programs offer options for those with lower scores, and recent policy shifts have broadened the evaluation process to include a more holistic view of your finances. Minimum Credit Scores by Loan Type (2026)
The specific "number" you need is tied directly to the type of mortgage you choose: FHA Loan Requirements in 2026