Buying a house with a credit score of is absolutely possible in 2026. While this score is considered "fair" rather than "good", it sits above the minimum requirements for several major loan programs, including Federal Housing Administration (FHA) , Department of Veterans Affairs (VA), and even some conventional loans. Mortgage Options for a 630 Credit Score

With a score of 630, you meet or exceed the following standard minimums: What credit score is needed to buy a house? | Fidelity