Decision Editor | Credit Score Guide

Can You Buy a House With 600 Credit Score? Real Options Explained Last updated: April 6, 2026 Yes, you may be able to buy a house with a 600 credit score, but your options may be narrower and your borrowing costs may be higher than they would be with a stronger score. In many cases, a 600 score is more realistic for some government-backed loans than for a standard conventional mortgage, although approval still depends on more than credit score alone. Lenders may also review your income, debt-to-income ratio, savings, down payment, payment history, and recent credit activity before making a final decision. That means a 600 score does not automatically mean yes or no. It usually means you need to be more careful about the loan type, the lender, and the total cost. If you are trying to figure out whether 600 is “bad,” start with [ what is a bad credit score ]. If you want the full score breakdown first, read [ Credit Score Ranges Explained (300–850) ].  Key Takeaway You may be able to...

What Credit Score Do You Need for a Mortgage? Last updated: April 6, 2026 The credit score you need for a mortgage depends on the loan type, the lender, and the rest of your financial profile. In practice, many borrowers see around 620  as a common conventional benchmark, FHA  allows lower scores in some cases, VA  has no official minimum credit score, and USDA  does not publish a single minimum but usually requires deeper review below 640 . Your score affects not only whether you may qualify, but also the rate you may receive.  Short Answer Here is the simple version most borrowers need: - Conventional:  many lenders look for about 620 or higher , especially on stricter or manually underwritten files - FHA:   580+  can qualify for 3.5% down , while 500–579  usually requires 10% down - VA:   no official VA minimum credit score , but lenders may set their own rules - USDA:   no single published minimum , but scores below 640  us...