What credit score do first-time buyers need in Texas?
A plain-English answer for Texas first-time buyers.
By Grant Martin, NMLS 2849522. Updated November 2026.
There's no single number. FHA's published floor is 500, with different terms below 580. Texas state assistance programs list 620 or higher. Individual lenders can set their own, higher minimums, so ask what applies to you.
Common guidelines by loan type
| Loan or program | What to know |
|---|---|
| FHA | HUD doesn't allow FHA financing below a 500 score, and borrowers from 500 to 579 face stricter limits. Lenders may require more. |
| Conventional | Fannie Mae's automated system dropped its fixed minimum score in November 2025, but lenders still review credit and may set their own minimums. |
| VA | Lenders commonly set their own credit minimums for eligible veterans and service members, so ask each lender. |
| My First Texas Home | TDHCA lists a 620 minimum. |
| Home Sweet Texas | TSAHC lists 620 for government loans and 640 for conventional loans. |
Your score also affects your cost
Meeting a minimum doesn't mean you'll get the best pricing. A stronger score can affect your rate, mortgage insurance and options.
If your score is low
- Check your free reports at AnnualCreditReport.com and dispute errors.
- Pay every bill on time.
- Pay down credit card balances where you can.
- Avoid opening new accounts before you buy.
- Ask a loan officer what would make the biggest difference for your file.
Common follow-up questions
Can I buy a home in Texas with a 580 credit score?
It may be possible with some loans, such as FHA, but lenders can set higher minimums and state assistance programs generally list 620 or higher.
Do Texas down payment programs have a credit minimum?
Yes. TDHCA's My First Texas Home lists 620, and TSAHC's Home Sweet Texas lists 620 for government loans and 640 for conventional loans.
Want this applied to your situation?
Grant can walk through your numbers and options with you.
Sources
General information only. Rules, programs and funding can change. All loans are subject to credit approval and underwriting, and not every program is available through every lender.