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Thereâs no credit score minimum, but most FHA lenders prefer a score of at least 620. In 2014, some lenders theoretically dropped their minimum score to 580, but lenders have generally set higher standards since the mortgage meltdown.
1 HUD requires borrowers to have a credit score of at least 500 to be eligible for the program. 2  To take advantage of the 3.5% down-payment option, youâll need a score of 580 or higher. 3  A new rule for 2013 has set an additional bar at 620.our credit score is too low. There are three official credit-score limits within the FHA loan program: 1  HUD requires borrowers to have a credit score of at least 500 to be eligible for the program. 2  To take advantage of the 3.5% down-payment option, youâll need a score of 580 or higher.