VantageScore 4.0 Gets the Last Government Holdout: FHA Will Accept It in 2027
September 13, 2026
The Federal Housing Administration will start accepting VantageScore 4.0 on mortgage applications beginning January 1, 2027, closing the last gap in a rollout that's been building since May. With FHA on board, VantageScore 4.0 is now cleared across every government-sponsored mortgage channel: Fannie Mae, Freddie Mac, the Federal Home Loan Banks, the FHA, and the