Minimums by loan type:
- Conventional: 620+ (best rates at 740+)
- FHA: 580+ for 3.5% down, 500-579 with 10% down
- VA: 620+ (VA has no minimum, but most lenders require it)
- Jumbo (over $806,500 in Salt Lake/Utah/Davis counties for 2026): 700+
You can pull free credit scores at annualcreditreport.com. We can connect you with a lender for a soft-pull pre-qualification that won’t ding your score.