Can I get an FHA loan after Chapter 7 bankruptcy with a 605 credit score?

Yes. FHA requires 24 months past Chapter 7 discharge with re-established credit. 605 FICO qualifies at 3.5% down (FHA needs 580+).

FHA financing after a Chapter 7 bankruptcy is one of the most common credit-rebuild paths. The requirements: (1) 24 months past discharge (not filing date) with no late payments since; (2) 580+ FICO for 3.5% down (500-579 FICO requires 10% down); (3) re-established credit - typically 3-4 trade lines reporting in good standing; (4) standard income / DTI qualification for the loan portion (typically 43-50% DTI maximum). At 605 FICO with 24+ months past Ch7, FHA at 3.5% down is achievable. The challenge usually isn't FHA itself - it's lender overlays. Many lenders set their internal FICO floor at 620 or 640 even though FHA allows 580. A handful of overlay-free FHA lenders accept 580+ FICO consistently; broker access matters here. Other considerations: high-interest auto loan affecting DTI - paying it off or refinancing may move DTI under the lender's ceiling. Recent 1099 income transitioning to W-2 - you can use the new W-2 income immediately if you've been in the same line of work. Student loan calculations on FHA changed - lenders use 0.5% of outstanding balance as the monthly payment for DTI purposes (was 1%), which is much friendlier.