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A clean snapshot of your home buying budget — great for Reddit or socials.
Top-tier credit — the best pricing lenders offer. Calculator prefilled with an estimated rate; 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.
An 800 credit score is top-tier: 760+ earns the best conventional pricing that exists. No lender prices above this level, so an 800 and an 850 get identical rate sheets. Your credit work is done.
That makes your remaining decisions purely financial: how much to put down, whether to buy discount points, what term to choose, and which of several competing lenders actually offers the best all-in deal. Spread between lenders — often 0.25% on the same borrower — is now your entire opportunity.
Conventional (or VA if eligible — it still beats everything). Jumbo lenders also court 760+ borrowers with their sharpest pricing if you're above conforming loan limits.
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 an 800 score | 6.45% |
| Max home price (bank approval estimate) | $258,000 |
| Estimated monthly payment (P&I + tax + insurance) | $1,980/mo |
| Same buyer with a 760+ score | $257,000 |
| Buying power cost of an 800 score | none — top tier |
If you put less than 20% down, PMI at this score is as cheap as it gets — roughly $20–30 per month per $100,000 borrowed — though at this tier many buyers structure the loan to avoid it entirely.
Rules and pricing change at 580, 620, 640, and every 20 points beyond. Pick your exact score, or use the main affordability calculator if credit isn't your constraint: