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If you’re planning to buy a home, your —the three-digit number representing your creditworthiness—is one of the most critical factors in your journey. While higher is always better, you don't necessarily need "perfect" credit to become a homeowner. Minimum Credit Scores by Loan Type
In 2026, the minimum score you need depends largely on the type of mortgage you choose: 5 Factors Affecting Your Credit Score | Northwestern Mutual
This helpful guide outlines the FICO scores typically needed to buy a house in 2026, categorized by loan type, and provides tips for securing the best terms. What FICO Score Do I Need to Buy a House? (2026 Guide)