What Credit Score Do I Need to Buy My First Home?

Requirements vary depending on the loan program, lender, and your overall financial profile.

Rather than guessing, I encourage first-time buyers to speak with a qualified mortgage lender who can review their situation and explain the financing options that may be available.

Need a lender? I've compiled a list of trusted local professionals on my Lender Recommendations page to help you get started.

👉 For a complete walkthrough, read:

How to Buy Your First Home in Katy, TX: A Step-by-Step Guide (2026)

About the Author

Jonathan McNabb, REALTOR®
Broker/Owner | Nest Ahead

Jonathan McNabb is a REALTOR® and Broker/Owner of Nest Ahead, helping buyers, sellers, and relocating clients throughout Katy and the Greater Houston area. He specializes in first-time home buyers, relocation, new construction, and residential real estate, while creating educational resources to help consumers make informed real estate decisions.