Credit Score Mortgage Calculator

Calculate the impact on your mortgage rate by setting your credit score, down payment, and rate/fee split. Higher credit scores lead to higher interest rates and fees - for the full breakdown check out our credit score guide: How Credit Score Impacts Your Mortgage Rate. The Rate/Fee split is how you want the lender to pass the cost onto your loan. You can either take an upfront fee or pay over time through a higher rate.

Credit Score Rate Impact

Credit Score


Down Payment


Rate / Fee Split