FHA Loan Requirements 2025
Complete checklist: 580 score, 3.5% down, 43% DTI, 2 years employment
✅ Check FHA Eligibility!
FHA lenders approve 580+ scores with 3.5% down! External: Official FHA.gov
Get FHA Pre-Approval →✓ 580+ accepted ✓ 3.5% down ✓ Free quotes ✓ FHA specialists
✅ Complete FHA Requirements Checklist 2025
1. Credit Score: 580 Minimum
580+ = 3.5% down | 500-579 = 10% down
FHA lenders use middle score of 3 bureaus. Collections OK with payment plan.
✓ 580+ most common ✓ 500-579 possible ✓ Below 500 = denied
2. Down Payment: 3.5% Minimum
$250K home = $8,750 down (3.5%)
Gift funds allowed from family! Compare FHA lenders for best terms.
✓ Gift funds OK ✓ Grants allowed ✓ Seller concessions up to 6%
3. DTI Ratio: 43% Maximum
Monthly debts ÷ gross income ≤ 43%
Example: $5K income, $2,150 max debts (43%). Includes mortgage, car, credit cards, student loans.
✓ 43% max standard ✓ 50% possible with compensating factors
4. Employment: 2 Years Minimum
2 years same job or field required
Get pre-approved to verify your employment history!
✓ W-2 employees ✓ Self-employed (2 years tax returns) ✓ Gaps OK with explanation
5. Property Requirements
Primary residence, FHA appraisal required
Must be owner-occupied. Property must meet FHA minimum standards (safety, security, soundness).
✓ 1-4 units OK ✓ Condos (FHA-approved) ✓ Manufactured homes OK
❓ FAQ
🏠 Ready for FHA Approval?
Get pre-approved with FHA specialists today!
Compare FHA Lenders Now →✓ 580+ accepted ✓ 3.5% down ✓ Gift funds OK ✓ Free quotes