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FHA loan

FHA Loan Application Requirements

Considering an FHA mortgage for your home purchase? Here's what you need to know about the FHA loan application.

[Updated: Feb 04, 2021 ] Sep 30, 2020 by Aly J. Yale

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Down payment 3.5% minimum
Minimum credit score
  • 500 to 579 with 10% down payment
  • 580 and up with 3.5% down payment
  • Debt-to-income ratio (DTI)
  • 43% (traditional FHA loans)
  • 45% (energy-efficient FHA loans)
  • Property
  • Must meet HUD's minimum property safety standards
  • Must be one to four single-family units
  • Source: Department of Housing and Urban Development (HUD)

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