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Approval is rarely the question at this score; pricing is. Calculator prefilled with an estimated rate for this range; adjust anything.
Compare rates and get pre-approved. Shopping multiple lenders can save tens of thousands over the life of a loan.
For educational purposes only. Not financial advice. Actual loan approval depends on credit score, employment history, and lender criteria. Consult a mortgage professional before making home buying decisions.
A 660 credit score is solidly in "approvable" territory for every major loan program. The question stops being whether you'll get a mortgage and becomes what you'll pay for it: at 660 you're two pricing tiers below where conventional rates get genuinely good (740+).
Practically, that means rate shopping matters more than program shopping here. Quotes on the same conventional loan can vary by 0.25–0.5% between lenders for a mid-600s borrower, a bigger spread than higher-score borrowers see.
A 660 credit score is considered fair. It sits in FICO's "fair" band (580–669), below the U.S. average of about 715. Roughly 30% of U.S. consumers score below 660, so you have plenty of company.
In practice, fair credit gets you approved for most essentials at a premium: auto loans run above-average rates, unsecured credit cards come with modest limits, and most apartment applications pass, though landlords in competitive markets often screen at 620–650. For a mortgage specifically, the program thresholds below matter far more than the label.
FHA can still edge out conventional at this score if your down payment is small, because FHA rates barely penalize credit. With 10–20% down, conventional usually wins.
Take a buyer earning $85,000 a year, with $400/month in existing debt and $25,000 saved for a down payment, on a 30-year loan:
| Estimated rate at a 660 score | 7.01% |
| Max home price (bank approval estimate) | $251,000 |
| Estimated monthly payment (P&I + tax + insurance) | $1,980/mo |
| Same buyer with a 760+ score | $255,000 |
| Buying power cost of a 660 score | −$4,000 |
PMI with less than 20% down runs moderately at this score, roughly $40–55 per month per $100,000 borrowed, and cancels at 20% equity.
At a 700 score (estimated 6.84%), the same buyer could afford about $253,000, $2,000 more house for the same income and monthly budget. The 680 and 700 tiers are close. Paying revolving balances down below 10% utilization the month before your credit is pulled is the most reliable quick lift.
Rules and pricing change at 580, 620, 640, and every 20 points beyond; see what credit score you need to buy a house for the full map. Pick your exact score, or use the main affordability calculator if credit isn't your constraint:
Credit is only half the equation; income sets the ceiling. See how much house you can afford at your salary, from $30k to $300k a year. Buying wheels first? See how much car you can afford with a 660 credit score.