What are the FHA loan requirements in Florida?
Six things: credit score, down payment, income, debt ratio, property condition, and primary-residence occupancy. FHA rules and lender overlays both apply.
Plain-English explanation
Credit: 580+ for 3.5% down, 500–579 for 10% down. Income: documented and stable. DTI: FHA can stretch further than conventional, though lenders cap. Property: must pass FHA appraisal standards. Occupancy: primary residence within ~60 days of closing.
What can change the answer?
Income type, employment history, debt ratio, reserves, automated underwriting findings, and lender overlays can change the answer.
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 Requirements
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.