What credit score is needed for FHA in Florida?
580 to put 3.5% down. 500–579 may qualify with 10% down — but most lenders apply overlays above the FHA minimum.
What this actually means.
FHA's published minimum and what lenders actually fund are different. Many lenders set their own FHA floor at 600, 620, or 640. Below the lender's floor, FHA is technically allowed but no one in that channel is funding it.
What this looks like on a real file.
Where this can move.
Recent late payments, thin credit history, disputed accounts, lender overlays, and automated underwriting findings can change the answer.
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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.