FHA often allows 580+ for 3.5% down, or 500–579 with 10% down. See score rules and lender overlays with The 2 Mortgage Guys.
FHA often allows 580+ for 3.5% down, or 500–579 with 10% down. See score rules and lender overlays with The 2 Mortgage Guys.
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FHA guidelines allow credit scores as low as 580 for the popular 3.5% down option, and 500–579 with at least 10% down. Lender overlays can be higher — so your real minimum depends on the full file.
HUD sets the floors. Lenders set the overlays. Here is how both usually work.
Small credit moves can change whether you need 3.5% or 10% down — and how clean underwriting feels.
The score is one input — not the whole decision.
Apply now, wait 30–60 days, or shift programs — we model the trade-off in dollars.
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Related guides to help you compare options and move toward pre-approval.
Run the numbers before you apply — then get a real pre-approval from Ryan or Steve.
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