The minimum score most lenders are requiring today is between 640-660. With us its 640. MSDHA, and FHA, (HUD driven programs) as a rule, are not score driven. However, FHA only insures loans. They don't service them. That said, these programs are further subject to whatever guidelines lenders---that actually fund and services the loans---require as well. My advice to you is to speak to a reputable lender with in-house credit repair to rehabilitate your score if/as needed. We provide such services at Shore and I have extensive years of experience in this regard. And there is no fee. I hope this helps.