What minimum credit score do I need to get a mortgage?

Minimum credit score requirements vary by loan type. FHA loans accept scores as low as 500 (with 10% down) or 580 (3.5% down). VA loans have no official floor but most VA lenders require 620. USDA loans typically need 640. Conventional loans generally start at 620. Jumbo loans usually require 720 or higher. Your credit score also directly impacts your interest rate — scores below 740 often mean a higher rate, costing tens of thousands more over a 30-year loan. Check all three credit bureaus before applying, dispute any errors, and pay down revolving balances to maximize your score before seeking a mortgage.