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Reviewed and Updated, July 21 2011 9:37 am: As you may already know, FHA guidelines state you must have a 3.5% FHA down payment. This is much lower than the required 10-20% down payment with many conventional mortgages. However, in order to qualify for that 3.5% down payment, you’ll need a 580 middle credit score. Borrowers with lower than a 580 middle score must come up with a 10% FHA down payment.
If you don’t already know your credit score, you can find it out for FREE with our affiliate here. When you do so, you will see all three of your credit scores. The middle score is the one that is neither the highest nor the lowest: it truly is the “middle” score. Make a note of that score and write it down.
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