What Are the Requirements of an FHA Loan?
Updated 21 days ago (March 6, 2026)
FHA loans have minimum down payment and minimum credit score requirements. Generally speaking, you must have a credit score of at least 580 to qualify for an FHA loan, though it can be possible to obtain an FHA loan with a lower score. With a lower score, you will need to make a higher down payment. With a credit score of at least 580, you should also be able to qualify for an FHA loan with a down payment of at least 3.5% of the mortgage.
FHA loans might impose additional requirements, including a certain amount of capital on hand, an upfront fee, and mortgage insurance, which includes its own monthly fee.
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Note that there are also limits, based on state and county, for the size of the FHA loan you can obtain.
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