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FHA loan rules apply for all borrowers when it comes to basic minimum credit standards. The FHA loan requirements that will affect your transaction include FICO score rules, down payment requirements, and the basic terms of your mortgage.
The credit score you see may not be what the lender uses. You should always be aware of your credit score before you even apply for an auto loan, or any other loan for that matter. However, it’s important to understand that the credit score you get, whatever the source, almost certainly won’t be the same score that your auto lender will use.
The Federal Housing Administration (FHA) requires a minimum 580 credit score to qualify for FHA 3.5% down down payment. Any potential borrowers with a 580 credit score or below will be required to put at least a 10% down payment. The FHA minimum credit score is 500 to buy or refinance a home.