The minimum credit score you need to qualify for a mortgage can vary based on the type of mortgage you’re trying to get.
Some government-backed mortgages have clear minimum score requirements.
FHA loans require a credit score of at least 580 with a 3.5% down payment, but if you’re able to offer a 10% down payment, you may qualify with a score as low as 500.
USDA loans may require a 640 unless there are extenuating circumstances.
VA loans don’t have a preset minimum, although lenders that offer VA loans may have their own minimum credit score requirements (often 620 or higher).
For a conventional, non-government-backed loan, you may need a credit score of at least 620 to qualify.