Credit
Can I get FHA under 580?
Short answer
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.
Plain-English explanation
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.
What can change the answer?
Recent late payments, thin credit history, disputed accounts, lender overlays, and automated underwriting findings 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 Credit
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.