What credit score do I need for a mortgage?
Program minimums differ and lenders can set stricter requirements. Beyond qualifying, your score affects pricing — especially conventional mortgage insurance premiums and interest rate.
Credit · Written by Anil Aggarwal, Realtor® | Mortgage Loan Officer · Updated August 8, 2026
FHA has lower published minimums than most conventional programs, which is one reason it is often discussed for borrowers rebuilding credit.
On conventional loans, a higher score generally lowers the PMI factor, sometimes dramatically. That is why the FHA versus conventional comparison here asks for a credit range.
A review of your credit profile before you shop can identify items worth addressing first. The exact review process depends on the lender and credit service used.
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Educational only: The calculators and information on this website are for educational and illustrative purposes only. Results are estimates based on the information and assumptions entered and are not a loan offer, commitment to lend, financial advice or guarantee of eligibility, rates, costs or savings. Actual loan terms, rates, fees, mortgage insurance and qualification requirements vary by borrower, property, lender and loan program. Speak with a licensed mortgage professional for personalized information.