THDA quiz · As of 10-28-2026
No credit score? Is there a path?
1 of 3
Back to the THDA quizzes2 of 3
3 of 3
Your result
May fit
You may not need a no-score path. THDA's minimum score is the place to start, and a lender may ask for more.
What this rests on
- THDA's minimum credit score is 640. As of 10-28-2026.
Ask a lender
Check whether you have a score first: a free credit report will say. Then ask a THDA-approved lender.
What this rests on
- THDA's minimum credit score is 640. As of 10-28-2026.
Ask a lender
A lender may look for a record of regular bills paid on time and some savings. Build that record, and ask a THDA-approved lender what they would accept.
What this rests on
- THDA's minimum credit score is 640. As of 10-28-2026.
May fit
With savings in your own account and a record of bills paid on time, a no-score path may be worth asking about. A THDA-approved lender decides, and savings moved in recently get questions.
What this rests on
- THDA's minimum credit score is 640. As of 10-28-2026.