✅ FHA Loan 600 Credit Score 2025: Get Approved with 3.5% Down (580-620 Range)

🎯 Quick Answer

Yes, FHA loans accept 600 credit scores. Requirements: 580+ credit (3.5% down), 43% DTI max, 2 years employment, no bankruptcy in 2 years. Expect rates 7.0-7.5% (0.5-1% higher than 680+ scores).34% of FHA borrowers have 580-620 credit in 2024.

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FHA Loan Requirements with 600 Credit Score

FHA loans are designed for lower credit scores. Compare FHA lenders to find the best rates for 600 credit.

📋 FHA 600 Credit Score Requirements

✅ Credit Score: 580-620 (3.5% down)
✅ Down Payment: 3.5% minimum ($8,750 on $250K home)
✅ DTI Max: 43% front-end, 50% back-end (with compensating factors)
✅ Employment: 2 years stable income (same field)
✅ Bankruptcy: 2 years since discharge
✅ Foreclosure: 3 years since completion
✅ MIP: 1.75% upfront + 0.55-0.85% annual
✅ Property: Primary residence (1-4 units)

Key Advantage: FHA loans are more forgiving than conventional. Check your FHA eligibility instantly.

FHA Interest Rates by Credit Score (2025)

Your credit score directly impacts your FHA rate. 600 credit = 7.0-7.5% rates.

Credit Score	FHA Rate (2025)	Monthly Payment ($250K)	Total Interest (30yr)
740+	6.5%	$1,580	$318,000
680-739	6.75%	$1,621	$333,600
620-679	7.0%	$1,663	$348,700
580-619 (YOU)	7.25-7.5%	$1,706-$1,748	$364,200-$379,300

Rate Tip: Compare 3+ FHA lenders to find the lowest rate. Rates vary 0.25-0.5% between lenders.

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Best FHA Lenders for 600 Credit Score (2025)

Not all lenders accept 580-620 credit. Compare FHA specialists for best approval odds.

Lender	Min Credit	Manual UW	Best For
Rocket Mortgage	580	Yes	Fast online process
New American Funding	580	Yes	Low credit specialists
Guaranteed Rate	580	Yes	Competitive rates
AmeriSave	600	Limited	Good rates for 600+
LoanDepot	580	Yes	Flexible underwriting

How to Improve Your Approval Odds (600 Credit)

1. Lower Your DTI Below 43%

Pay down credit cards, defer student loans, or increase income. DTI = (Monthly Debts / Gross Income) × 100.Target 40% or lower for best approval odds.

2. Save 6 Months Reserves

Show 6 months PITI in savings (Principal + Interest + Taxes + Insurance). On $250K home = $10,000-$12,000 reserves.Reserves = compensating factor for lower credit.

3. Increase Down Payment to 5-10%

Higher down payment = lower risk. 5% down improves approval odds 30%. 10% down may qualify for better rates.

4. Add a Co-Borrower with Good Credit

Spouse or family member with 680+ credit can offset your 600 score. Lender uses lower mid-score but considers both incomes.

5. Write a Letter of Explanation

Explain credit issues (medical bills, job loss, divorce). Documented hardship + recovery = manual underwriting approval.

🏡 Get FHA Approved with 600 Credit

Compare FHA lenders specializing in 580-620 credit. See your rate and get pre-approved.

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Frequently Asked Questions

Can I get an FHA loan with a 600 credit score?

Yes! FHA loans accept 580+ credit scores with 3.5% down. With 600 credit, expect rates 0.5-1% higher than 680+ borrowers. Many lenders specialize in 580-620 credit scores.

What is the minimum credit score for an FHA loan in 2025?

FHA minimum: 580 credit score (3.5% down), or 500-579 (10% down). Most lenders require 580+. Manual underwriting available for borderline cases with compensating factors.

What interest rate can I get with a 600 credit score on an FHA loan?

With 600 credit, expect FHA rates of 7.0-7.5% in 2025 (vs 6.5% for 680+ scores). Rate varies by lender, DTI, down payment, and compensating factors. Compare 3+ lenders for best rate.

How much down payment do I need with 600 credit?

FHA requires 3.5% minimum with 580+ credit. With 600 score, 3.5% is acceptable. However, 5-10% down improves approval odds and may lower your rate 0.25-0.5%.

Can I get approved with 600 credit and high DTI?

Difficult but possible. FHA allows 43% DTI (50% with compensating factors). With 600 credit + high DTI, you need: 6+ months reserves, larger down payment, or manual underwriting with strong income history.