PNC requires a credit score of at least 620 to qualify for a home purchase loan. PNC has a credit score minimum of 620 to qualify for both conventional loans and FHA loans. You'll need a score of 640 to be eligible for a USDA loan with PNC. Home buyers applying for a VA loan under FHFA loan limits will need no minimum credit score, while those over FHFA loan limits will require a 660.