What if my credit score goes up before close?This regarding FHA loans. I've been doing a lot of research and found that if a person's credit score is below a 580 they are required to put up 10%, but if its above, only 3.5% is required.I am currently under contract to build a home so my application and close dates are about 6 months apart. What happens if my credit score rises above the 580 mark before close? Am I only required to put the 3.5% up at that time? Or working with a lender, will they see that it will be very possible due to several factors that it will be above that mark, and make it contingent upon reaching that level?April 15 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.