What’s the minimum credit score needed for each loan type?

Q: What’s the minimum credit score needed for each loan type?

B Conventional loans typically require 620+ mortgage FICO scores. FHA loans allow scores as low as 580 with 3.5% down, or 500 with 10% down. VA and USDA loans don’t have official minimums, but most lenders prefer 620+. These are the mortgage credit scores (FICO 2, 4, 5), not the scores you see on apps.

Conventional loans typically require 620+ mortgage FICO scores. FHA loans allow scores as low as 580 with 3.5% down, or 500 with 10% down. VA and USDA loans don’t have official minimums, but most lenders prefer 620+. These are the mortgage credit scores (FICO 2, 4, 5), not the scores you see on apps.

Last updated March 27, 2026 · Informed Mortgage LLC, NMLS #2523172. General information, not a rate quote or a commitment to lend.