Can I get FHA with a 580 credit score?
Often yes, with 3.5% down. The score alone doesn't approve the file — recent payment history, total debt, and reserves all factor in.
What this actually means.
A 580 with clean recent history, stable income, and a reasonable DTI is a different file from a 580 with fresh late payments and overdrafts. Lenders weigh the pattern, not just the number.
Where this can move.
Recent late payments, thin credit history, disputed accounts, lender overlays, and automated underwriting findings can change the answer.
Ask the question. Get the straight answer.
Send the scenario and I'll tell you what I'm seeing. No application fee. No long form just to get a basic answer.
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.