Is My Credit Good Enough To Buy A House Instant

Lenders use different thresholds based on the risk associated with each loan program:

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) is my credit good enough to buy a house

These rural-focused loans generally require a 640, though some lenders may consider lower scores with a deeper manual review. Lenders use different thresholds based on the risk