Minimal credit history requirement for an enthusiastic FHA loan for the Florida from inside the 2024 is 580. Although not, of a lot FHA lenders prefer individuals getting credit scores from during the minimum 620, and lots of have higher still conditions.
If your credit history was lower than 580, you might still have the ability to be eligible for an FHA loan with a top down payment. You must supply a financial obligation-to-money proportion (DTI) out-of fifty% or down.