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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 loan requirements don't force applicants to have credit scores above 580, but almost all borrowers who get actual loan approvals have much higher scores. Over 97 percent of all FHA loan approvals went to applicants with scores above 620.irst, applicants must have FICOs of at least 500 to be eligible for any FHA mortgage. In addition, those whose scores range between 500 and 579 are required to make down payments of at least ten percent, while borrowers with higher scores only need 3.5 percent down.