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FHA Loans with a 580 Middle Credit Score Minimum Credit Score for FHA Loans. The minimum FICO score for an FHA loan through Quicken Loans is 580, with a 3.5% minimum down payment. Other lenders may have different requirements. For a standard FHA loan, a minimum of one credit score is required to qualify.

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Mortgage lenders including Wells Fargo & Co. and Bank of America Corp., the two largest, have raised the minimum credit. requirements. Quicken Loans Inc., the ninth-largest lender, has ended most.

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New Homebuyer Tax Credit Targeted Areas Income limits and purchase price limits are higher for homes purchased in targeted areas. The first-time homebuyer requirement is also waived, allowing repeat buyers who purchase a primary residence in a targeted area to apply for the Delaware First-Time homebuyer tax credit.

The minimum credit score for an FHA loan through Quicken Loans is 580. You can put as little as 3.5% down when you get an FHA loan from Quicken. Department of Veterans Affairs (VA) loan: These mortgages are backed by the Department of Veterans Affairs.