FHA loans

FHA Loan Credit Score Requirements 2026: Complete Guide

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FHA loan credit score requirements and down payment tiers for 2026

Home›Mortgages›FHA Credit Score Requirements FHA LoansHUD rules checked August 28, 2026Handbook 4000.1 reviewed Quick answer HUD’s FHA rules set a minimum decision credit score of 500. Scores from 500 through 579 generally require at least 10% down because maximum loan-to-value is 90%. A score of 580 or higher may qualify for FHA maximum financing, which … Read more

What Credit Score Do You Need for a Mortgage in 2026?

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2026 mortgage credit score requirements by conventional FHA VA USDA and jumbo loan type

Home›Mortgages›Mortgage Credit Score Requirements Mortgage GuideRules checked August 28, 2026Official agency and GSE guidance reviewed Quick answer There is no single credit score required for every mortgage. FHA permits eligible financing with a minimum decision credit score of 500, although a score of at least 580 is required for FHA’s maximum financing and lenders may … Read more