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A good score: every program open, respectable pricing. 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 680 credit score is a good score by any lender's definition. Every program is open, conventional pricing is respectable, and PMI costs start looking reasonable. You're one tier below the 700-club pricing and two below the 740+ tier where rates effectively stop improving.
At this level the biggest lever on your rate isn't your score; it's shopping lenders. Studies consistently show borrowers who get 3–5 quotes save thousands over the loan versus taking the first offer.
Yes. 680 is a good credit score by FICO's definition. The "good" band (670–739) brackets the U.S. average of about 715, and roughly 35% of U.S. consumers score below 680.
Good credit clears most screens without drama: the majority of rewards credit cards, mid-tier auto-loan pricing, and virtually every apartment application. For a mortgage you're approved everywhere; the remaining game is pricing, which steps up at 700, 720, and 740.
Conventional is usually the default at this score. FHA only tends to win if your down payment is under 5% and you plan to refinance within a few years.
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 680 score | 6.91% |
| Max home price (bank approval estimate) | $252,000 |
| Estimated monthly payment (P&I + tax + insurance) | $1,980/mo |
| Same buyer with a 760+ score | $255,000 |
| Buying power cost of a 680 score | −$3,000 |
PMI with less than 20% down is moderate here, roughly $35–50 per month per $100,000 borrowed, and drops off automatically at 20% equity.
At a 720 score (estimated 6.76%), the same buyer could afford about $254,000, $2,000 more house for the same income and monthly budget. Crossing 700, then 720, each shaves a bit more off conventional pricing and PMI. Low utilization and zero new accounts in the 90 days before applying is the playbook.
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 680 credit score.