USDA Loans
What credit score do I need for a USDA loan?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
USDA doesn't set a hard minimum, but most lenders look for 640, which enables streamlined automated approval. Scores below 640 can still qualify through manual underwriting with compensating factors.
We work with USDA lenders comfortable below 640 when the rest of the file is strong. We'll confirm the score threshold for your situation.
Related USDA Loans Questions
Have a follow-up question?
Talk to a licensed Florida mortgage broker — no cost, no obligation.