FHA Credit Score Requirements

FHA loans are known for accommodating buyers with less-than-perfect credit. Here's a general look at how credit scores work with FHA financing.

Scores Around 580 and Above

With a credit score of about 580 or higher, many lenders allow you to qualify for FHA's low 3.5 percent down payment option.

Scores Between 500 and 579

Some lenders allow FHA loans for scores in this range, typically with a larger down payment of around 10 percent.

Lender Overlays

Individual lenders may set their own minimums above the FHA baseline, so it's worth shopping around to find one that fits your situation.

Improving Your Score First

Even a modest credit improvement can expand your options and lower your rate, so it can pay to prepare before applying.

Find an FHA-Friendly Lender

As your REALTOR, I can connect you with lenders experienced in FHA loans for a range of credit profiles. Reach out and we'll get you pointed in the right direction.