Frequently Asked
What credit score do I need to buy a home in Austin?
Quick Answer
FHA loans are available with a 580+ credit score (3.5% down). Conventional loans are available with a 620+ score, though rates improve significantly at 700+ and are most favorable at 740+. VA loans typically require a 620+ score. Most Austin lenders recommend a credit review 6–12 months before buying — improving your score by 20 to 40 points can meaningfully reduce your rate and monthly payment.
More people also ask
Can a first-time buyer afford a home in Austin in 2026?
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