What credit score and down payment are required?

FHA allows 3.5% down with a 580 score, or 10% down with a score of 500-579. Individual lenders may require higher scores.

Can the down payment be a gift?

Yes — your full 3.5% down payment can come from a family member as a documented gift, which helps in many of these situations.

FHA Loan With ITIN (No SSN)

Wondering about with itin (no ssn)? Here is exactly how the FHA program treats this situation in 2026, with the specific rules and numbers that apply.

The short answer

Standard FHA loans require a valid Social Security number, so ITIN-only borrowers generally cannot use FHA. ITIN buyers typically turn to specialized portfolio loan programs instead, which have different down-payment and rate terms.

What lenders focus on here

Approval comes down to the full picture, yet in a case like this the deciding factors are usually your credit, how cleanly your income documents, and your debt-to-income ratio.

Income: a documentable two-year average is the core test; keep returns, 1099s, and a year-to-date P&L ready.
Down payment: 3.5% minimum (580+), and gift funds are allowed.
Lender overlays: minimums vary by lender, so comparing several is worth it.

FHA guidelines and lender overlays change. Join the free FHA Notification Program to be alerted when the rules that affect this situation shift.

Your next steps

Start by checking your credit and assembling income documents, then seek a true pre-approval. In a situation like this the difference between lenders is real, so get quotes from several before committing.

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Frequently Asked Questions

FHA Loan With ITIN (No SSN) — is it possible in 2026?: Standard FHA loans require a valid Social Security number, so ITIN-only borrowers generally cannot use FHA. ITIN buyers typically turn to specialized portfolio loan programs instead, which have different down-payment and rate terms.
What credit score and down payment are required?: FHA allows 3.5% down with a 580 score, or 10% down with a score of 500-579. Individual lenders may require higher scores.
Can the down payment be a gift?: Yes — your full 3.5% down payment can come from a family member as a documented gift, which helps in many of these situations.