The credit score needed to buy a house in 2025

Credit scores generally range from a low of 300 to a maximum of 850. While the Federal Housing Administration guarantees loans with credit scores as low as FICO 500 with 10% down, a score of 760 or higher qualifies you for the lowest mortgage rates available, no matter the loan product. Read more: The best mortgage lenders for bad credit What credit score is needed to buy a house? There are five major types of mortgage loans, each with different qualifying minimum credit scores. Conventional loan Conv ...