Credit
Can I get FHA with a 580 credit score?
Short answer
Often yes, with 3.5% down. The score alone doesn't approve the file — recent payment history, total debt, and reserves all factor in.
Plain-English explanation
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.
What can change the answer?
Recent late payments, thin credit history, disputed accounts, lender overlays, and automated underwriting findings can change the answer.
Related
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Credit
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.