570 Credit Score Mortgage
A 570 is the most frustrating score in the band — ten points from 3.5% down. Do not apply yet.
By Onias Derilus, Mortgage Capital · NMLS# 1859012 · Last Updated: June 2026
At 570 you are ten points from 580. FHA with 10% down is technically open, but applying at 570 means paying nearly three times the down payment of a buyer just ten points higher. This is the one score where waiting is almost never a close call: push to 580 first.
Why 570 Is So Close
FHA allows 570 with 10% down, but 580 cuts that to 3.5%. Ten points is the difference between roughly $30,000 and $10,500 down on a $300,000 home. That is a huge swing for a small move.
Most lenders overlay at 580 anyway, so a 570 narrows your options on top of the higher down payment. Conventional, VA, and USDA are still above you.
Get the Last Ten Points
Ten points is usually the easiest climb on this whole page. A single card paid below 30% utilization or one resolved item can do it, often within a billing cycle or two.
We will pull your report, tell you exactly what gets you to 580, and time your application so you cross the break before you buy. At 570, patience pays directly.
570 Credit Score Mortgage — FAQ
Almost always wait. Ten points takes you to 3.5% down instead of 10%, a difference of tens of thousands on a typical Florida home. At 570 the climb is short and the payoff is large.
Some will, with 10% down, but many overlay at 580 and decline below it. Finishing the climb both lowers the down payment and widens your lender choice.
Often within one or two billing cycles by paying down a card or resolving a single item. We identify the exact move from your report and time your application around it.
Buying With a 570 Credit Score?
Get matched to the right Florida loan for your score · Licensed FL mortgage broker NMLS# 1859012
Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.