Can I get FHA under 580?
Maybe — FHA allows 500–579 with 10% down, but most lenders won't fund it. The practical floor in most channels is 580 or higher.
What this actually means.
If a lender does work in that band, expect tighter underwriting on everything else: cleaner recent history, higher reserves, lower DTI, and a stronger compensating-factor 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.