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USDA Credit Qualifying

There is no minimum credit score requirement set for a USDA loan. However, most lenders require a score of at least 640, which is the minimum score needed to qualify for automatic approval using the USDA’s Guaranteed Underwriting System (GUS). GUS is the USDA’s automated underwriting system, which automates the process of credit risk evaluation.

It is possible to qualify with a score below 640 with some lenders, but those files require manual underwriting. Even people without a credit score at all can sometimes qualify, though there are other income and financial requirements they must meet. Requirements will vary by lender.

UPDATED GUIDELINES: USDA Credit Score Requirements

USDA credit score guidelines formerly listed specific minimum credit score requirements, and a credit score cutoff for loans that should not be approved… but USDA credit score guidelines have recently been updated. In... Read More

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