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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
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.