What Credit Score Do I Need to Buy a Home? (And How to Improve Yours!)

What’s the Minimum Credit Score for a Home Loan?

FHA Loan: 580 (or as low as 500 with a higher down payment)

Conventional Loan: 620+

VA Loan (for Veterans): No minimum, but lenders prefer 580+

USDA Loan (for rural homes): Typically 640+

If your score isn’t quite there yet, don’t worry! Here’s how you can improve it:

Pay bills on time – Even one late payment can drop your score

Reduce credit card balances – Try to keep balances below 30% of your credit limit

Avoid opening new accounts before applying – New inquiries can temporarily lower your score.

Check your credit report for errors – Dispute any incorrect information.

At Viva Casa Mortgage Solutions, we don’t just help you get a mortgage—we also help you prepare for mortgage approval. If you’re unsure about your credit, let’s review it together and make a plan!