THDA quiz · As of 10-28-2026
Credit readiness
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Your result
May not fit
A score under THDA's minimum may not fit yet. A free credit report shows what to fix, and a counselor can help you plan.
What this rests on
- THDA's minimum credit score is 640. As of 10-28-2026.
Ask a lender
Without a score, a THDA-approved lender is the one to say whether a path exists for you. Ask early.
What this rests on
- THDA's minimum credit score is 640. As of 10-28-2026.
Ask a lender
Your score band meets THDA's minimum, but a recent late payment can matter to a lender. Ask a THDA-approved lender what they would want to see.
What this rests on
- THDA's minimum credit score is 640. As of 10-28-2026.
May fit
Your score band is at or above THDA's minimum and there are no recent late payments, so credit may fit. A lender may ask for more than THDA does.
What this rests on
- THDA's minimum credit score is 640. As of 10-28-2026.