3.5% down. 580 credit. The approval that works when conventional says no.

FHA allows a 50% debt-to-income ratio (higher with strong credit), counts gift funds for the whole down payment, and forgives older credit events sooner. Mortgage insurance stays for the life of the loan at under 10% down, so we show you the FHA and conventional payments together and let you pick.

Minimum down

3.5%

Minimum credit

580 (500 with 10% down)

Max DTI

50–56.99%

King/Snohomish/Pierce limit

$977,500