What Credit Score Do You Need to Buy a House in Texas?

Short answer: Most buyers can qualify with a credit score in the 580–620 range depending on the loan type — FHA allows as low as 580 (or 500 with 10% down), conventional loans typically want 620+, and VA loans often work with lenders down to 580. Your score affects your rate more than your eligibility, so a lower score doesn’t automatically rule you out.

The Minimums by Loan Type

Why Your Score Still Matters Even If You Qualify

Meeting the minimum gets you in the door, but your score directly affects:

• Your interest rate — A 580 and a 720 can qualify for the same loan program but land very different monthly payments
• Your mortgage insurance cost — Lower scores often mean higher PMI or FHA mortgage insurance premiums
• Whether builder rate-buydown offers apply to you — Some builder-backed low-rate promotions have their own credit requirements separate from the loan program’s minimum

What If Your Score Isn’t There Yet?

• Paying down revolving credit card balances is usually the fastest lever to pull
• Disputing errors on your credit report can sometimes move the needle in weeks, not months
• A few months of on-time payments before applying can meaningfully shift your options
• A lender can run your numbers now and tell you exactly what improving your score by 20–40 points would change about your rate

Bottom Line

There isn’t one “magic number” for buying in Texas — there’s a minimum for each loan program, and then a much bigger range of outcomes based on where your score actually lands. Don’t assume you’re disqualified before a lender has actually run your numbers.