What Credit Score Do You Need for a Mortgage
Mortgage credit score requirements vary by loan type. Learn the minimums for FHA, VA, conventional, and jumbo loans. Step-by-step guide from Credit Booster
Mortgage Score Requirements
| Loan Type | Minimum Score | Best Rate Score |
|---|---|---|
| FHA | 580 (3.5% down) | 740+ |
| VA | No official minimum | 620+ preferred |
| Conventional | 620 | 740+ |
| Jumbo | 700-720 | 760+ |
| USDA | 640 | 680+ |
Which Score Do Mortgage Lenders Use?
Mortgage lenders use specific FICO models:
They take the middle score of all three bureaus. If only two are available, they use the lower one.
How to Prepare
Written by
Alexander Katsman
Founder, Credit Booster & Credit Booster AI
Alexander Katsman has spent more than 15 years in credit and finance, helping thousands of people and small business owners dispute inaccurate reporting, rebuild their scores, and get approved for funding they were once denied. His latest project, Credit Booster AI, puts that entire toolkit in everyone's hands, using AI to make fixing, building, and funding your credit accessible to all.
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