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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.
What You Should Know About FHA Loan Eligibility. 1  If the borrower's minimum credit score is above 580, they are eligible for maximum financing under FHA loan rules. 2  If the borrower's minimum credit score is between 500 and 579 the borrower is limited to a maximum LTV of 90%.