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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.
If your credit scores are below 580 FHA requires a minimum down-payment of 10%. Minimum credit score for FHA loans is 500. January 20, 2010 - FHA announced a set of policy changes to strengthen the FHA.