What Credit Score Do You Need to Buy a Home in the DMV?

Credit scores are one of the most misunderstood parts of the home-buying process—especially for first-time buyers. Many people assume they need perfect credit to buy a home in the DMV, which often discourages them from even speaking with a lender.

In reality, credit score requirements vary depending on the loan program and the buyer’s overall financial profile. Many first-time homebuyers in Northern Virginia, DC, and Maryland qualify with scores lower than they expect.

While higher credit scores generally offer better interest rates, a single number does not determine whether you can buy a home. Factors that matter are:

• Income

• Debt

• Savings

• Payment history

This is why relying on internet estimates or hearsay can be misleading.

As a local DMV mortgage lender, the Jolene Moore Team at CrossCountry Mortgage reviews your full financial picture—not just your credit score. This allows us to identify realistic options and, when needed, offer guidance on improving your credit before buying.

For many buyers, small adjustments or additional context can make a big difference. Understanding where you stand early gives you control instead of uncertainty.

If you’re unsure whether your credit is “good enough,” a conversation with us, a local lender, so we can provide clarity and peace of mind.