What credit score is needed to buy a house in California?

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.

Hello Carlos, depending on the mortgage program you qualify for, the minimum credit score most lenders look for is a 620.