What Credit Score Do I Need to Buy a House in Dallas?

by Delisa Lapinsky

Most lenders in Dallas want to see a credit score of 620 or higher for a conventional loan. FHA loans allow scores as low as 580 with a larger down payment.

But here’s the good news: you don’t need perfect credit to buy a home. I’ve helped clients get approved even when their scores weren’t where they wanted them to be.

👉 Bottom line: A higher score gets you better terms, but the right lender can help you buy a home in Dallas even if your credit isn’t spotless.