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What credit score is needed to buy a house in California?
What credit score is needed to buy a house in California? Does the credit score need to be higher than in other states?
Asked By Juan | Bakersfield, CA | 876 views | Finance Legal Info | Updated 2 years ago
Answer(2)
Josephine & Raj Sharma
Legacy Homes Realty
You don’t need a higher credit score just because it’s California. Credit score requirements are based on the loan type, not the state.
Typical minimums:
FHA loan: ~580 (sometimes lower with more money down)
Conventional loan: 620+
VA loan: No official minimum, but most lenders want 580–620
USDA loan: Usually 640
While California home prices are higher (which can make qualifying harder), the credit score rules are the same nationwide.
Typical minimums:
FHA loan: ~580 (sometimes lower with more money down)
Conventional loan: 620+
VA loan: No official minimum, but most lenders want 580–620
USDA loan: Usually 640
While California home prices are higher (which can make qualifying harder), the credit score rules are the same nationwide.
- 6 days ago
Helpful (0)
Unhelpful (0)
Hello Carlos, depending on the mortgage program you qualify for, the minimum credit score most lenders look for is a 620.
- 2 years ago
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