What is the minimum credit score for an FHA loan?

Last Updated: March 1, 2025 Expert Reviewed

The minimum credit score for an FHA loan is 500 with a 10% down payment, or 580 with a 3.5% down payment. Many lenders have higher requirements around 620-640.

The minimum credit score required for an FHA loan is 500. However, with a credit score between 500-579, you’ll need a 10% down payment.

If your credit score is 580 or higher, you can qualify with a down payment as low as 3.5% of the purchase price.

Keep in mind that while these are FHA requirements, individual lenders often set their own minimums that may be higher (typically 620-640).

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