FHA Loans
What credit score do I need for an FHA loan?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
FHA requires a 580 credit score for the 3.5%-down option. Scores from 500 to 579 still qualify but need 10% down. These are the lowest credit thresholds among major loan types.
Lenders can add overlays, but our FHA programs honor the 580 minimum. We'll confirm your score and the down payment it unlocks.
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