What's the minimum credit score for getting an FHA mortgage?

You will need to have a middle credit score of 620 or better for an FHA mortgage. Additionally, this is for single-family residences and you have to have two months of mortgage payments saved/liquid in the bank. 620 FHA credit scores are good I’m purchase transactions on loans to $417,000.

RELATED MORTGAGE ADVICE FROM SCOTT SHELDON

Freddie Mac Makes It Easier for New Self-Employed Borrowers to Qualify for a Mortgage

If you’ve recently started your own business, there’s some good news that could make qualifying…

How to Qualify for the Arrive Home Earned Equity Program in 2026

Buying a home can feel overwhelming, especially if you’re worried about your credit score, down…

New USDA Income Limits for Sonoma County (2026): Do You Qualify for 100% Financing?

New USDA Income Limits for Sonoma County: You May Now Qualify for 100% Home Financing…

Freddie Mac Makes It Easier for New Business Partners to Qualify for a Mortgage

Becoming a partner at your firm is often one of the biggest milestones in a…

View More from The Mortgage Files:

Row edge-slant Shape Decorative svg added to top
Row edge-slant Shape Decorative svg added to bottom

begin your mortgage journey with sonoma county mortgages

Let us make your mortgage experience easy. Trust our expertise to get you your best mortgage rate. Click below to start turning your home dreams into reality today!