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Frequently Asked Questions

What is the minimum credit score required for an FHA loan?

The minimum credit score requirement for the FHA loan is 500; however, those wishing to take advantage of the FHA's 3.5% down payment will need a middle score of at least 580. Borrowers who fall between 500 and 580 are required to put at least 10% down.

Credit requirements vary by lender, but typically, here's how the FHA's credit requirements stack up to other mortgage options:

Loan Type Minimum Credit Score Requirement
FHA 500
USDA 640
VA 620
Conventional 620

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