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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.
Applicants with credit scores lower than 580 must come up with at least 10 percent down. The Wall Street Journal reports, however, that lenders are unlikely to approve an FHA loan for an individual with a 580 credit score and just 10 percent down.