Slide your score. See the estimated rate, the monthly payment, and what it costs you next to a 760+ borrower.
700
580620660700740800850
$
%
%
Extra you pay vs 760+
$0 /mo
Over 30 years: $0
Your estimated rate(30-yr fixed)0%
Your principal + interest$0
Fannie Mae fee for your score$0
Every score band, same loan
Estimate, not a quote. Rate adjustments use the same simple table as our rate tool (T30). Real pricing depends on the lender, points and the whole file.
Under 620, many lenders won't do a conventional loan. FHA is the usual path (as low as 3.5% down with 580+). The rate shown is a rough estimate.
Loans over $1,249,125 (Santa Clara / Alameda 2026) are jumbo. Fannie Mae fees don't apply, but lenders usually want 700+ and price credit even harder.
Raise your score in 60–90 days
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Common mistake: "Checking my score will drop it." Checking your own report or score does not hurt it. Only a lender's hard pull for new credit counts (CFPB).