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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.
The minimum FICO credit score required for an FHA loan is 580. If your score is 580 or higher, you are eligible to pay the minimum down payment requirement of 3.5 percent. However, if your score is lower, that doesn't mean you won't qualify.