680 Credit Score VA Loan
A 680 earns strong VA pricing with zero down and no PMI. You are in solid, competitive territory.
By Onias Derilus, Mortgage Capital · NMLS# 1859012 · Last Updated: June 2026
A 680 credit score earns strong VA loan pricing. You are well past every common overlay, lenders compete for the file, and the rate is competitive. Combined with the VA's zero down and absence of monthly mortgage insurance, a 680 puts you in a genuinely strong position. The remaining gains from a higher score are modest.
Solid Footing at 680
At 680 the VA loan does what it does best with no friction: no down payment, no PMI, and a competitive rate from a lender that wants your business. There is no overlay drama at this score.
Climbing toward 720 or 740 trims the rate a little more, but the curve is flattening. A 680 VA buyer is already getting most of the pricing benefit the program offers.
| Factor | VA at a 680 Score |
|---|---|
| Down Payment | $0 |
| Pricing | Strong |
| Overlays | Cleared |
| Mortgage Insurance | None |
680 Score VA Loan — FAQ
Yes. At 680 you clear every common overlay and earn competitive pricing, on top of the VA's zero down and no monthly insurance. It is solid VA territory.
Marginally. Climbing toward 720 or 740 trims the rate further, but the curve is flattening, so a 680 already captures most of the program's pricing advantage.
A VA Loan With a 680 Score?
Get matched to the right Florida loan for your score · Licensed FL mortgage broker NMLS# 1859012
Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.