FAQ
What credit score do I need to buy a home in Utah?
You can buy a home in Utah with a credit score as low as 580 using an FHA loan, 620 for conventional, and there is no published minimum for VA loans (most lenders use 580–620).
By Tres Miller · Mortgage Banker · NMLS #217768
Reviewed June 22, 2026 · 31+ years lending in Utah
Quick Answer
You can buy a home in Utah with a credit score as low as 580 using an FHA loan, 620 for conventional, and there is no published minimum for VA loans (most lenders use 580–620).
Detailed answer
Most Utah buyers qualify with a 620+ FICO. FHA allows 580 with 3.5% down, or 500 with 10% down. VA loans technically have no minimum, but most lenders ask for 580–620. Conventional loans typically start at 620, with the best rates above 740. We help Utah buyers map a 30–90 day credit plan to hit the score that unlocks the best rate.
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