Do You Qualify for an FHA Loan in 2026? Credit, Do...

■ Quick Answer FHA credit score requirements start at 580 for the standard 3.5 percent down payment. Borrowers with scores between 500 and 579 can still qualify with 10 percent down. FHA allows debt-to-income ratios up to 55 percent on a case-by-case basis, requires a two-year employment history, and the property must be your primary […]