Can I buy a home with a 580 credit score?

Yes. A 580 credit score is the floor for an FHA loan with 3.5% down, which makes FHA the most common path for buyers rebuilding credit. Some lenders add overlays, but our FHA programs accept 580 with documented income and a clean recent payment history.

At 580 you'll pay FHA mortgage insurance and likely a slightly higher rate than a 700-score borrower, so it's worth asking whether a few months of credit cleanup could push you over 620 for a conventional option. We'll map both routes so you can compare the real monthly cost.

Related Credit Questions