Can You Qualify for an FHA Loan with Bad Credit? Find out instantly with our free eligibility calculator.
If you’ve been turned down for a home loan due to a low credit score, you’re not alone.
Many lenders make it feel impossible to qualify—but FHA loans were designed specifically for people in your situation.
With more flexible requirements, FHA loans open the door to homeownership even if your credit isn’t perfect.
Our FHA loan with bad credit calculator gives you a fast, personalized estimate of your eligibility.
No credit check. No commitment. Just honest, helpful results in under 60 seconds.
What This Calculator Tells You:
This tool is perfect for buyers with credit scores between 500 and 620, or anyone who’s unsure if they can qualify for an FHA loan right now. Get a quick estimate of your FHA loan eligibility.
Once you enter your info, we’ll give you a clear picture of where you stand—and what to do next. Here’s what we typically recommend based on results:
Great news! You meet the basic FHA guidelines for credit, income, and debt. You’re ready to connect with an FHA-approved lender and begin the pre-approval process. We can help match you with someone who works with bad credit buyers every day.
If your DTI is a little too high or your credit score is right on the edge, we’ll show you simple ways to improve your chances. Many buyers just need a small adjustment—like paying down one credit card or boosting their score by a few points.
If you don’t meet the FHA minimums yet, we’ll explain exactly why—and give you a plan to fix it. Whether it’s building credit, lowering debt, or waiting out a recent bankruptcy, we’ll help you get on the right track.
There are dozens of mortgage calculators online—but most are designed for borrowers with good credit. Ours is different. It’s tailored specifically for people who want to buy a home with a low credit score and need realistic, FHA-specific answers.
No Credit Pull: This tool does not affect your score or require a Social Security number.
Based on Real FHA Guidelines: We’ve built it using the same credit, income, and debt standards lenders use for FHA loans.
Personalized for You: Your result is based on your actual numbers, not general assumptions.
Get a Clear Path Forward: We won’t just tell you “yes” or “no”—we’ll help you understand why and what to do next.
| Credit Score | FHA Down Payment | Eligible |
|---|---|---|
| 580+ | 3.5% | Yes |
| 500–579 | 10% | Yes |
| Under 500 | Not eligible | No |
Use the calculator above to see how your score, income, and debt all work together to determine eligibility.
Knowing where you stand is the first step to getting approved for an FHA loan with bad credit. Whether you're rebuilding after financial challenges or you're just starting out, we’re here to help.
Get your personalized FHA loan estimate now. No credit check. No obligation. Just answers.
