Exactly what Credit rating Will become necessary Getting A great Virtual assistant Design Mortgage? A traditional financing is a far greater replacement a great FHA financing for very first-big date home buyers A great USAA financial need to be made with a minimum credit score out-of 640 and an amount borrowed of $50,000 or shorter. The lending company can give you zero home loan insurance policies, zero advance payment, and substitute for funds your Virtual assistant money percentage without deposit.