what credit score do you need for usda loan
Minimum Credit Score Requirements for USDA Loans 2016. 1  For an âAutomatedâ (Automatic) Approval on a USDA Home Loan in NC, a minimum credit score of 640 is needed. We will also need a 640 credit score if you are applying for the NCHFA Mortgage Credit Certificate / the 2016 Mortgage Tax Credit.