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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.
FHA minimum credit scores to qualify for FHA loan is 500 FICO. However, as mentioned earlier, if your credit scores fall below 580 FICO, a 10% minimum down payment is required. Just coming up with the 10% down payment is not the only requirement.