Impact Calculator
Credit Score Mortgage Calculator
See exactly how your credit score affects your mortgage rate, monthly payment, and total interest over 30 years.
Your Information
680
300500700850
Good Credit
Loan Amount:$320,000
Interest Rate:7.00%
Loan Term:30 years
Your Monthly Payment
$2,129
Principal & Interest only (excludes taxes, insurance, HOA)
30-Year Totals
Total Amount Paid:$766,428
Total Interest:$446,428
Principal:$320,000
Improve Your Score, Save Money
If you improved your credit score to 760+ (Excellent):
Monthly Savings:$106
Lifetime Savings:$38,286
Understanding Credit Score Tiers
760+ Excellent
Best rates available. Lenders compete for your business.
~6.5% APR
680-759 Good
Above average rates. Most loan products available.
~7.0% APR
Below 680
Higher rates. May need larger down payment.
7.25%+ APR