FHA loans are often considered easier to get than other types of mortgages. One reason is that they have lower credit score requirements. FHA loans allow FICO scores starting at 580 in most cases, while conventional loans start at 620. FHA also allows a higher debt-to-income ratio, which is good news for borrowers with big debts, like student loans and auto loans. Finally, FHA loans only require 3.5 percent down, and the whole down payment can come from gift funds or down payment assistance if the buyer finds financial aid.