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another advantage of fha loans is that fha does not require a credit scoring item called a fico fair issac company score so if you have no credit at all you may still qualify for a fha loan if you have some credit you will typically need a minimum middle credit score of 580 to qualify for a fha loannother advantage of fha loans is that fha does not require a credit scoring item called a fico fair issac company score so if you have no credit at all you may still qualify for a fha loan if you have some credit you will typically need a minimum middle credit score of 580 to qualify for a fha loan
The average credit score for all FHA purchases in 2016 was 686, which is well above the minimum 580 score. FHA loans also require a down payment of 3.5 percent, as well as both an up-front mortgage insurance premium and monthly mortgage insurance, which now runs for the life of the loan.