What credit score do I need to buy a house in 2025?
You’ve probably heard a dozen different numbers tossed around: 620, 700, 740… so what’s the real answer? In 2025, it depends on the type of loan and your overall financial story.
- Conventional loans usually need 620 or higher, but most buyers getting the best deals are in the mid-700s.
- FHA loans still open the door for scores as low as 580 with a small down payment (3.5 %). They’re designed for first-timers and people rebuilding credit.
- VA loans for veterans and active military can dip to the mid-600s without trouble if the rest of your profile looks good.
- USDA loans favor rural buyers and like to see 640 or better.
If your score is under 620, don’t panic. Start by making on-time payments for the next three months, keep credit card balances low, and avoid new applications. Even a tiny bump can make a huge difference in your approval odds and interest rate.
The real secret? Lenders don’t just see a number — they see your habits. Show you’re consistent, and your “average credit” can look like excellent credit overnight.
Even if you have been turned down by another lender, LENDERLINE has a loan program for you.
Call LENDERLINE at 1-888-661-7888 or complete this form to schedule a FREE mortgage consultation.