I Can Buy a House with THIS Credit Score!?

What’s a “Good” Credit Score When Buying a Home? (Hint: It’s Not One Number)

If you’ve ever thought about buying a home, chances are you’ve asked yourself this question:
“Is my credit score good enough?”

You’re not alone—and the answer might surprise you. There isn’t one magic credit score you need to buy a home. What matters most is which loan type fits you best and how your score impacts your options, payment, and long-term cost.

👉 Prefer to watch instead of read? We’ve included a quick 1-minute video below that breaks this down just as simply. Watch Video Here

Why Credit Scores Aren’t One-Size-Fits-All

Different loan programs look at credit differently. That’s good news, because it means more paths to homeownership than most people realize.

Here’s a simple breakdown:

🏡 Conventional Loans

• Around 680+ is where buyers typically see the best benefits
  
  
• Lower interest rates
  
  
• Much lower monthly PMI (private mortgage insurance)
  
  

Can you buy with a lower score? Sometimes, yes—but it often comes with higher monthly costs. If you’re close to 680, a small credit improvement can save you real money every month, which is why we often help buyers focus on getting over that line.

🌾 FHA, USDA & VA Loans

• Minimum scores can go as low as 580, depending on your full financial picture
  
  
• Once you’re over about 600, approvals usually get easier and pricing improves
  
  

This is where many buyers are surprised. Even a small credit score bump can open up better loan options and lower payments.

The Most Important Takeaway

If buying a home is even a future goal for you, don’t wait to find out where you stand.

Talking with a trusted local lender early can:

• Show you which loan programs fit you
  
  
• Explain what your credit score really means
  
  
• Create a simple, step-by-step plan to strengthen your position
  
  

At Midwest Mortgage Group (a division of Flat Branch Home Loans), Jenn gives buyers clear answers—not pressure. Whether you’re ready now or just starting to think about it, having a plan puts you ahead. 

Bottom Line

You don’t need perfect credit to buy a home.
You need the right information, the right loan, and the right team.

If you’re unsure where you stand, let’s help you find out—and map out the smartest path forward. Connect with us here.