Score cost calculator
Put a dollar figure on the distance between your score and the next band. Pick a mortgage to see Fannie Mae's upfront price adjustment band by band, or a car or personal loan to compare monthly payments and interest across score tiers.
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$5,512.50
What each higher band is worth
- Most lenders build this adjustment into your interest rate or charge it as discount points, rather than billing it as a lump sum. Either way, you pay for it.
- Fannie Mae waives these adjustments for HomeReady loans and for first-time buyers with qualifying income at or below 100% of area median income (120% in high-cost areas).
- This is one table from Fannie Mae's grid for purchase loans longer than 15 years. Other adjustments (condos, cash-out, second loans and more) can add to it, and FHA and VA loans don't use it. It's not a quote.
$633.14
The same loan in each better tier
- These are Experian's average rates for Q2 2026, not offers. Rates vary a lot between lenders, so two quotes at the same score can be far apart.
- Payments use the standard loan formula with a fixed rate and equal monthly payments. Taxes, fees, and add-ons aren't included.
$536.36
The same loan at each higher score
- These are national averages Experian publishes from Curinos data as of September 2026, not offers. Income, existing debt and term move your own rate.
- Payments use the standard loan formula with a fixed rate and equal monthly payments. Origination fees aren't included.
How the score cost calculator works
Every mode reads a published table and do the arithmetic in whole cents. None of them predicts a rate you'll be offered or how many points any step would add to your score.
Mortgage pricing
Fannie Mae charges lenders a loan-level price adjustment (LLPA) based on the loan's credit score and loan-to-value ratio. The calculator uses Table 1 of Fannie Mae's LLPA matrix dated 09/30/2026, which covers purchase loans longer than 15 years and uses one grid for Classic FICO and VantageScore 4.0. Score rows run 780 and up, then 20-point bands down to 640, then 639 and below. Loan-to-value columns run from 30% or less to above 95%.
Loan-to-value is the loan divided by the home price. Fannie Mae's Selling Guide says to cut the result to two decimals and then round up to the next whole percent, so 90.004% counts as 90% but 90.01% counts as 91%. The calculator does the same. The adjustment in dollars is the loan amount times the percentage in your row and column.
Worked example. A $350,000 home with $35,000 down is a $315,000 loan. $315,000 divided by $350,000 is 90.00%, which falls in the 85.01% to 90% column. At a score of 668, the 660 to 679 row shows 1.75%, so the adjustment is $315,000 x 0.0175 = $5,512.50. The 680 to 699 row shows 1.5%, or $4,725.00, which is $787.50 less. At 780 and up the column shows 0.25%, or $787.50, which is $4,725.00 less than at 668.
We don't show mortgage rates by score. We couldn't verify a current, dated public table of them, and a made-up rate would be worse than none.
Auto loans
Experian publishes average new and used car loan rates by VantageScore 4.0 tier. For Q2 2026: super prime (781 to 850) 4.41% new and 6.29% used; prime (661 to 780) 6.15% and 8.81%; near prime (601 to 660) 9.71% and 13.93%; subprime (501 to 600) 13.52% and 19.1%; deep subprime (300 to 500) 16.11% and 21.62%. Source: Experian, average car loan interest rates by credit score.
The monthly payment uses the standard amortization formula: payment = P x r / (1 - (1 + r)^-n), where P is the amount financed, r is the APR divided by 12, and n is the number of months. The result is rounded to the cent. Total interest is the payment times the number of months, minus the amount financed. A lender's final payment can differ by a few cents because of rounding.
Worked example. $30,000 for a new car over 60 months. At near prime's 9.71% average, r is 0.0971 / 12, and the payment comes to $633.14. Over 60 months that's $37,988.40, so total interest is $7,988.40. At prime's 6.15% average, the payment is $582.08 and total interest is $4,924.80: $51.06 a month and $3,063.60 in interest less than the near prime average. At super prime's 4.41%, the payment is $558.06 and interest is $3,483.60.
Personal loans
Experian publishes national average personal loan rates by FICO Score, using Curinos data as of September 2026. For a 36-month loan: 620 17.97%, 640 17.21%, 660 16.12%, 680 14.76%, 700 13.19%, 720 11.97% and 740 10.82%. Source: Experian, personal loan rates by FICO Score. The calculator uses the row at or just below your score, and the payment uses the same amortization formula as the auto mode.
Worked example. $15,000 over 36 months. At 640's 17.21% average, the payment is $536.36 and total interest is $4,308.96. At 680's 14.76%, the payment is $518.22 and interest is $3,655.92: $18.14 a month and $653.04 less.
Questions about this tool
Will I pay the LLPA as a fee at closing?
Usually not as a separate line. Fannie Mae charges the adjustment to the lender, and most lenders recover it through a slightly higher interest rate or through discount points, so you pay it over the life of the loan or upfront in points.
Can the LLPA be waived?
Yes, in some cases. Fannie Mae's matrix waives these adjustments for HomeReady loans and for first-time buyers with qualifying income at or below 100% of area median income (120% in high-cost areas). Ask your lender to check before you compare prices.
Why doesn't the calculator show a mortgage rate for my score?
We couldn't verify a current, dated public table of mortgage rates by credit score, and we won't make one up. The Fannie Mae grid is published, so the calculator prices the score bands in upfront dollars instead.
Are the auto loan rates offers I can get?
No. They're Experian's market averages by VantageScore 4.0 tier for Q2 2026. Your rate depends on the lender, the car, the term, your down payment, and your full credit file.
Are the personal loan rates offers I can get?
No. They're national averages by FICO Score that Experian publishes from Curinos data as of September 2026. Your own rate also depends on income, existing debt and the term.
Does this tell me how many points I can gain?
No. It shows how far your score is from each band and what each band is worth in dollars. No scoring company publishes how many points an action adds, so nobody can promise that part.
Guides behind the math
- How your credit score changes your mortgage cost, in dollarsFannie Mae charges a fee by score band and down payment. See the 2026 grid, a $300,000 home priced at every band, and how the fee becomes your rate.
- What your credit score costs on a car loan, per monthCar loan rates move in steps at 501, 601, 661 and 781. Experian's Q2 2026 APRs by tier, what each line is worth, and buying with fair credit.
- Personal loan rates by credit score: what each band paid in 2026Average personal loan APRs by FICO Score from 620 to 740, what each costs on a $15,000 loan, and where a 20-point gain saves the most.
- Middle credit score rule: two borrowers, FHA and Fannie MaeLenders pull three scores and use the middle one, or the lower of two. How FHA, Fannie Mae, Freddie Mac, and USDA handle it, including two borrowers.
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