Updated November 11, 2026
Short answer
VA itself doesn't set a minimum credit score, but many lenders do, so it pays to compare more than one lender.
From VA
"We don't require a minimum credit score, but some lenders do have a requirement, so be sure to contact more than one lender to compare" (VA.gov).
Talk it through
Buying in Tampa Bay? Krystal Crichlow with eXp Realty works with VA buyers. Anywhere else in the U.S., she can refer you to a VA-experienced local agent at no cost to you. Use the form to tell us where and when.
Disclosure: TheBayPros' owner is related to Krystal Crichlow (eXp Realty), who may be among the agents introduced to you. You can choose any agent you like. We are not a lender and do not make loans. General information from VA.gov; rules change, so confirm with VA and your lender.