What is the lowest credit score to buy a house in Texas?
The lowest is generally 500, using an FHA loan with a 10% down payment, though many lenders require 580 or higher. Programs and lender requirements vary, so a low score does not rule out homeownership automatically.
FHA sets two tiers: 580 and up generally allows 3.5% down, while 500 to 579 requires 10% down. Because individual lenders often set higher minimums than the program floor (called overlays), the real-world minimum is frequently around 600 to 620. Income, debts, and the property itself are reviewed alongside your score.
This answer is part of our guide What Credit Score Do You Need to Buy a House in Texas?, which covers loan minimums, Houston down payment assistance, and how to improve your score before applying.
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Educational content only; not financial, legal, or tax advice, a commitment to lend, or an offer of credit. Program requirements vary by lender and change over time; eligibility depends on your full financial profile. Warens Financial Group, NMLS #2532048. Franklin Warens, Mortgage Broker, NMLS #1249423. Equal Housing Opportunity.
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