What Credit Score Do You Need to Buy a House in California?
Credit requirements vary by borrower, property, occupancy, lender, documentation and current program requirements. A score alone does not determine approval or pricing.
Conventional Loans: Requirements Vary
Conventional credit requirements depend on the agency, underwriting method, program and participating lender. Pricing also depends on loan-to-value, occupancy, loan amount and other factors. No score guarantees approval or a particular rate.
FHA Loans: Credit and Investment Requirements
FHA minimum-investment rules depend on credit profile, and participating lenders may apply stricter requirements. All other underwriting and property requirements still apply; a score alone does not establish qualification.
VA Loans: No Official Minimum
VA does not set one universal minimum credit score; participating lenders apply their own requirements. Entitlement, credit, income, residual income and property approval all matter. No-down-payment availability is subject to qualification, entitlement and appraisal.
Jumbo Loans: Requirements Vary
Jumbo loans are those above the applicable conforming limit. For 2026, the baseline conforming loan limit for a one-unit property is $832,750, and the one-unit ceiling in applicable high-cost California counties is $1,249,125. Limits depend on county, number of units and calendar year. Jumbo loans often require stronger credit. Requirements vary by lender and program.
How to Improve Your Score Before Applying
- •Pay obligations on time
- •Review credit reports for errors
- •Avoid unnecessary new obligations during the loan process
- •Recognize that scoring models vary
- •Consult your loan officer before major credit changes
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Westmount Financial Group Inc. DBA WestFi | NMLS #2890320 | CA DRE #02443798
Disclaimer: This article is for educational and informational purposes only and does not constitute financial, legal, or mortgage advice. Loan programs, eligibility requirements, interest rates, and guidelines referenced in this article are subject to change without notice and may not reflect current market conditions at the time of reading. All mortgage applications are subject to credit approval, underwriting review, and lender guidelines. Not all borrowers will qualify for all programs described. Results may vary based on individual financial circumstances.
Westmount Financial Group Inc. DBA WestFi is a California licensed mortgage broker. NMLS #2890320 | CA DRE #02443798. Equal Housing Opportunity. For personalized mortgage advice, speak with a licensed loan officer.