What credit score do I need for a mortgage?

Program minimums: FHA 580 (500 with 10% down), VA 580 typically, Conventional 620, Jumbo 680–700+, DSCR 660+, Bank Statement 660+. The best pricing tiers show up at 720, 740, and 760+. Below 720 you'll usually save money by delaying 60–90 days and cleaning up one or two items rather than closing at a rougher tier.