What Credit Score Do You Really Need to Buy a House in 2026? (The Answer Has Changed)
If you’ve been Googling “what credit score do you need to buy a house in 2026,” you’ve probably seen conflicting answers. That’s because the rules genuinely shifted in late 2025, and most articles haven’t caught up. The short answer: conventional loans typically need a 620 minimum, FHA accepts 580 with 3.5% down (or 500 with…