★ MONEY · MORTGAGE RATES · CREDIT SCORE
On the defaults — a FICO score of 760 on a $350,000 loan — the average 30-year rate is 7.54%: a monthly payment of $2,456.84, $884,462.40 paid in total, and $534,462.40 of interest. Pick your score and loan amount and the calculator looks up the rate and prices your loan — and works backwards when you have a target payment instead. The existing credit score ranges chart explains what the FICO bands mean; the existing mortgage payment calculator computes a payment from a rate you type in — this page is the rate-by-score TABLE itself (real October 2026 data) plus a calculator that looks up the rate from your score and prices your loan.
Standard amortisation: monthly payment = loan × i ÷ (1 − (1 + i)^−360), i = annual rate ÷ 12, 360 months for a 30-year loan. Pick a FICO score and a loan amount and the calculator looks up the average 30-year rate for that score and prices the loan — and works backwards when you have a target payment instead.
The table below is the average 30-year conventional mortgage rate for each FICO score, with the monthly payment, total paid, and total interest on a $350,000 loan — the payments are Bright Side Kit’s own calculation on the stated $350,000 loan, not copied from Experian (their published payments imply a smaller loan). The rate stops falling at 780 — 780 through 840 all price at 7.46%, so there is no rate reward for a score above 780 in this snapshot.
| FICO score | 30-year rate | Monthly payment ($350,000) | Total paid | Total interest |
|---|---|---|---|---|
| 620 | 8.15% | $2,604.87 | $937,753.20 | $587,753.20 |
| 640 | 8.05% | $2,580.39 | $928,940.40 | $578,940.40 |
| 660 | 7.96% | $2,558.42 | $921,031.20 | $571,031.20 |
| 680 | 7.87% | $2,536.53 | $913,150.80 | $563,150.80 |
| 700 | 7.78% | $2,514.70 | $905,292.00 | $555,292.00 |
| 720 | 7.74% | $2,505.02 | $901,807.20 | $551,807.20 |
| 740 | 7.62% | $2,476.07 | $891,385.20 | $541,385.20 |
| 760 | 7.54% | $2,456.84 | $884,462.40 | $534,462.40 |
| 780 | 7.46% | $2,437.67 | $877,561.20 | $527,561.20 |
| 800 | 7.46% | $2,437.67 | $877,561.20 | $527,561.20 |
| 820 | 7.46% | $2,437.67 | $877,561.20 | $527,561.20 |
| 840 | 7.46% | $2,437.67 | $877,561.20 | $527,561.20 |
Rates: Experian, “Average Mortgage Rates by Credit Score” (Curinos LLC data, October 2026) — https://www.experian.com/blogs/ask-experian/average-mortgage-rates-by-credit-score/
The same source, the same scores, for a 15-year conventional loan and a 5/6 adjustable-rate mortgage — rates only. 15-year rates barely move with score (6.84%–6.88% across the whole table) — score matters most on the 30-year loan.
| FICO score | 15-year rate | 5/6 ARM rate |
|---|---|---|
| 620 | 6.88% | 6.88% |
| 640 | 6.87% | 6.89% |
| 660 | 6.86% | 6.96% |
| 680 | 6.88% | 6.96% |
| 700 | 6.86% | 6.88% |
| 720 | 6.86% | 6.90% |
| 740 | 6.85% | 6.87% |
| 760 | 6.85% | 6.83% |
| 780 | 6.84% | 6.80% |
| 800 | 6.84% | 6.80% |
| 820 | 6.84% | 6.80% |
| 840 | 6.84% | 6.80% |
On the defaults — a FICO score of 760 and a $350,000 loan — the 30-year rate is 7.54%, the monthly payment is $2,456.84, the total paid is $884,462.40, and the total interest is $534,462.40. The whole calculation is three moves: look up the rate for the score, run the amortisation formula, and multiply the rounded payment by 360.
Five things about the model are worth stating plainly. First, the monthly rate is the annual rate divided by 12 — 7.54% ÷ 12 — and the months are 30 × 12 = 360. Second, the monthly payment is $350,000.00 × i ÷ (1 − (1 + i)^−360) = $2,456.84. Third, the total paid is the rounded monthly payment × 360 — $2,456.84 × 360 = $884,462.40 — and the total interest is $884,462.40 − $350,000.00 = $534,462.40. Fourth, the RATES in the table are real published data — Experian’s “Average Mortgage Rates by Credit Score”, source Curinos LLC, October 2026, for a conventional 30-year fixed-rate mortgage — and the PAYMENTS are Bright Side Kit’s own calculation on the stated $350,000 loan. And fifth, rates move daily — this table is a snapshot as of October 2026, not today’s quote; your rate also depends on down payment, loan type, lender, and rate-lock timing, not on score alone; the table starts at 620 because conventional pricing below 620 is not published this way; all listed in Accuracy & limitations.
Setup: FICO 760, $350,000 loan, 30-year conventional.
Line 1 — look up the rate. A FICO score of 760 prices at a 30-year rate of 7.54% in the October 2026 table.
Line 2 — the monthly rate and the months. The monthly rate is 7.54% ÷ 12 and the months are 30 × 12 = 360.
Line 3 — run the amortisation formula. The monthly payment is $350,000.00 × i ÷ (1 − (1 + i)^−360) = $2,456.84.
Line 4 — total and interest. The total paid is $2,456.84 × 360 = $884,462.40 and the total interest is $884,462.40 − $350,000.00 = $534,462.40.
score 620, $350,000: FICO 620, loan $350,000.00: 30-year rate 8.15%, monthly payment $2,604.87, total paid $937,753.20, total interest $587,753.20 — the lowest score in the table pays $2,604.87 a month, $147.83 more than at 760.
score 840, $350,000: FICO 840, loan $350,000.00: 30-year rate 7.46%, monthly payment $2,437.67, total paid $877,561.20, total interest $527,561.20 — the top of the table pays $2,437.67 a month, the same as 780 — the rate stops falling at 780.
loan $500,000 at 760: FICO 760, loan $500,000.00: 30-year rate 7.54%, monthly payment $3,509.78, total paid $1,263,520.80, total interest $763,520.80 — a bigger loan at the same rate scales the payment and the interest.
loan $200,000 at 700: FICO 700, loan $200,000.00: 30-year rate 7.78%, monthly payment $1,436.97, total paid $517,309.20, total interest $317,309.20 — a smaller loan at a lower score still costs $1,436.97 a month.
700 vs 760 on $350,000: at 700 payment $2,514.70, interest $555,292.00; at 760 payment $2,456.84, interest $534,462.40; gap $57.86/mo and $20,829.60 total interest — 60 points of score is worth $20,829.60.
loan $750,000 at 780: FICO 780, loan $750,000.00: 30-year rate 7.46%, monthly payment $5,223.58, total paid $1,880,488.80, total interest $1,130,488.80 — the biggest loan in the branches, at the best rate, still costs $1,130,488.80 of interest.
640 vs 740 on $350,000: at 640 payment $2,580.39, interest $578,940.40; at 740 payment $2,476.07, interest $541,385.20; gap $104.32/mo and $37,555.20 total interest.
Loan amount for a $2,000.00 monthly payment at 760: $284,918.32 — the exact loan amount is 284918.3234. At the displayed $284,918.32 the payment is $2,000.00 and the interest is $435,081.68. $283,918.32 gives $1,992.98; $285,918.32 gives $2,007.02. The star is DOLLARS.
Loan amount for $400,000.00 total interest at 760: $261,944.65 — the exact loan amount is 261944.6467. At the displayed $261,944.65 the payment is $1,838.74 and the interest is $400,001.75, $1.75 over the $400,000.00 target — rounding. $260,944.65 gives $398,474.55; $262,944.65 gives $401,525.35. The star is DOLLARS.
Rate for a $2,500.00 monthly payment on $350,000: 7.72% — the exact rate is 7.7192%. At the displayed 7.72% the payment is $2,500.19, $0.19 over the $2,500.00 target — rounding, and the interest is $550,068.40. 7.71% gives $2,497.78; 7.73% gives $2,502.61. The star is a PERCENT.
FICO score for total interest of $540,000.00 or less on $350,000: 760 — the interest at 760 is $534,462.40 and the payment is $2,456.84; at 740 the interest is $541,385.20 — one band lower and the interest is over $540,000. This is a step reverse: scores come in table bands here, so there is no exact in-between. The star is a SCORE.
Rate for $500,000.00 total interest on $350,000: 7.14% — the exact rate is 7.1381%. At the displayed 7.14% the payment is $2,361.56 and the interest is $500,161.60, $161.60 over the $500,000.00 target — rounding. 7.13% gives $499,312.00; 7.15% gives $501,011.20. The star is a PERCENT.
Loan amount for $300,000.00 total interest at 780: $199,029.39 — the exact loan amount is 199029.3887. At the displayed $199,029.39 the payment is $1,386.20 and the interest is $300,002.61, $2.61 over the $300,000.00 target — rounding. $198,029.39 gives $298,493.41; $200,029.39 gives $301,508.21. The star is DOLLARS.
The defaults are a FICO score of 760 and a $350,000 loan — rate 7.54%, payment $2,456.84, total interest $534,462.40. With a loan of $0 at 760, FICO 760, loan $0.00: 30-year rate 7.54%, monthly payment $0.00, total paid $0.00, total interest $0.00 — nothing borrowed, nothing paid. 620 vs 840 on $350,000: at 620 payment $2,604.87, interest $587,753.20; at 840 payment $2,437.67, interest $527,561.20; gap $167.20/mo and $60,192.00 total interest — the full price of a low score. With a loan of $1,000,000 at 760, FICO 760, loan $1,000,000.00: 30-year rate 7.54%, monthly payment $7,019.56, total paid $2,527,041.60, total interest $1,527,041.60. The 15-year at 760 on $350,000 (rate 6.85% from the 15-year table): payment $3,116.62, total $560,991.60, interest $210,991.60 — vs the 30-year interest of $534,462.40, the 15-year saves $323,470.80 in interest for a $659.78/mo higher payment. A score of 580 is BELOW the table — Curinos/Experian publish no conventional 30-year rate below 620; FHA loans open at 580 with 3.5% down. With a loan of $50,000 at 700, FICO 700, loan $50,000.00: 30-year rate 7.78%, monthly payment $359.24, total paid $129,326.40, total interest $79,326.40.
| Output | Formula | What it means |
|---|---|---|
| FICO score | input | 760. |
| Loan amount | input | $350,000.00. |
| 30-year rate | looked up from the October 2026 table | 7.54%. |
| Monthly payment | loan × i ÷ (1 − (1 + i)^−360), i = rate ÷ 12 | $2,456.84. |
| Total paid | rounded monthly payment × 360 | $884,462.40. |
| Total interest | total paid − loan | $534,462.40. |
| Loan amount for a $2,000.00 monthly payment at 760 | exact 284918.3234 | $284,918.32 → $284,918.32. |
| $1,000 less than the R1 star | $283,918.32 | FICO 760, loan $283,918.32: 30-year rate 7.54%, monthly payment $1,992.98, total paid $717,472.80, total interest $433,554.48. |
| $1,000 more than the R1 star | $285,918.32 | FICO 760, loan $285,918.32: 30-year rate 7.54%, monthly payment $2,007.02, total paid $722,527.20, total interest $436,608.88. |
| Loan amount for $400,000.00 total interest at 760 | exact 261944.6467 | $261,944.65 → $261,944.65. |
| $1,000 less than the R2 star | $260,944.65 | FICO 760, loan $260,944.65: 30-year rate 7.54%, monthly payment $1,831.72, total paid $659,419.20, total interest $398,474.55. |
| $1,000 more than the R2 star | $262,944.65 | FICO 760, loan $262,944.65: 30-year rate 7.54%, monthly payment $1,845.75, total paid $664,470.00, total interest $401,525.35. |
| Rate for a $2,500.00 monthly payment on $350,000 | exact 7.7192 | 7.72% → 7.72%. |
| 0.01pp below the R3 star | 7.71% | Loan $350,000.00: rate 7.71%, monthly payment $2,497.78, total paid $899,200.80, total interest $549,200.80. |
| 0.01pp above the R3 star | 7.73% | Loan $350,000.00: rate 7.73%, monthly payment $2,502.61, total paid $900,939.60, total interest $550,939.60. |
| FICO score for total interest of $540,000.00 or less on $350,000 | exact 760 | 760 → 760. |
| one band below the R4 star | 740 | FICO 740, loan $350,000.00: 30-year rate 7.62%, monthly payment $2,476.07, total paid $891,385.20, total interest $541,385.20. |
| one band above the R4 star | 780 | FICO 780, loan $350,000.00: 30-year rate 7.46%, monthly payment $2,437.67, total paid $877,561.20, total interest $527,561.20. |
| Rate for $500,000.00 total interest on $350,000 | exact 7.1381 | 7.14% → 7.14%. |
| 0.01pp below the R5 star | 7.13% | Loan $350,000.00: rate 7.13%, monthly payment $2,359.20, total paid $849,312.00, total interest $499,312.00. |
| 0.01pp above the R5 star | 7.15% | Loan $350,000.00: rate 7.15%, monthly payment $2,363.92, total paid $851,011.20, total interest $501,011.20. |
| Loan amount for $300,000.00 total interest at 780 | exact 199029.3887 | $199,029.39 → $199,029.39. |
| $1,000 less than the R6 star | $198,029.39 | FICO 780, loan $198,029.39: 30-year rate 7.46%, monthly payment $1,379.23, total paid $496,522.80, total interest $298,493.41. |
| $1,000 more than the R6 star | $200,029.39 | FICO 780, loan $200,029.39: 30-year rate 7.46%, monthly payment $1,393.16, total paid $501,537.60, total interest $301,508.21. |
| score 620, $350,000 | same model | FICO 620, loan $350,000.00: 30-year rate 8.15%, monthly payment $2,604.87, total paid $937,753.20, total interest $587,753.20. |
| score 840, $350,000 | same model | FICO 840, loan $350,000.00: 30-year rate 7.46%, monthly payment $2,437.67, total paid $877,561.20, total interest $527,561.20. |
| loan $500,000 at 760 | same model | FICO 760, loan $500,000.00: 30-year rate 7.54%, monthly payment $3,509.78, total paid $1,263,520.80, total interest $763,520.80. |
| loan $200,000 at 700 | same model | FICO 700, loan $200,000.00: 30-year rate 7.78%, monthly payment $1,436.97, total paid $517,309.20, total interest $317,309.20. |
| loan $750,000 at 780 | same model | FICO 780, loan $750,000.00: 30-year rate 7.46%, monthly payment $5,223.58, total paid $1,880,488.80, total interest $1,130,488.80. |
| 700 vs 760 on $350,000 | same model | At 700: FICO 700, loan $350,000.00: 30-year rate 7.78%, monthly payment $2,514.70, total paid $905,292.00, total interest $555,292.00; at 760: FICO 760, loan $350,000.00: 30-year rate 7.54%, monthly payment $2,456.84, total paid $884,462.40, total interest $534,462.40. |
| 640 vs 740 on $350,000 | same model | At 640: FICO 640, loan $350,000.00: 30-year rate 8.05%, monthly payment $2,580.39, total paid $928,940.40, total interest $578,940.40; at 740: FICO 740, loan $350,000.00: 30-year rate 7.62%, monthly payment $2,476.07, total paid $891,385.20, total interest $541,385.20. |
The math is first-principles: the monthly payment is the standard amortisation formula with the payment rounded to cents, the total paid is the rounded payment times 360, and the total interest is the total paid minus the loan. The RATES are real published data — Experian’s “Average Mortgage Rates by Credit Score”, source Curinos LLC, October 2026, for a conventional 30-year fixed-rate mortgage — and the PAYMENTS are Bright Side Kit’s own calculation on the stated $350,000 loan, not copied from Experian (their published payments imply a smaller loan). What the model cannot do is quote YOUR rate: rates move daily, so this table is a snapshot as of October 2026, not today’s quote; it does NOT model down payment, loan type, lender, or rate-lock timing; it does NOT model taxes, insurance, or PMI; and the table starts at 620 because conventional pricing below 620 is not published this way. Use it to see what a score is worth — then check a real quote before you lock a rate.
Bright Side Kit. "Mortgage Rates by Credit Score: 2026 Table & Calculator" https://brightoolbox.com/mortgage-rates-by-credit-score/ Accessed October 26, 2026.7.54% on a 30-year conventional loan in October 2026. On a $350,000 loan that is a $2,456.84 monthly payment and $534,462.40 of total interest.
8.15% on a 30-year conventional loan in October 2026. On a $350,000 loan that is a $2,604.87 monthly payment and $587,753.20 of total interest — $60,192.00 more interest than at 840.
$2,456.84 a month. The total paid over 30 years is $884,462.40 and the total interest is $534,462.40.
780 in this snapshot — 7.46%. Scores of 780, 800, 820, and 840 all price at 7.46%, so there is no rate reward for a score above 780.
$284,918.32 at 760 (7.54%). The exact loan amount is 284918.3234; at the displayed $284,918.32 the payment is $2,000.00 and the interest is $435,081.68.
760 on a $350,000 loan. At 760 the interest is $534,462.40; at 740 it is $541,385.20 — one band lower and the interest is over $540,000.
In interest, yes — by $323,470.80 at 760 on $350,000. The 15-year rate is 6.85% with a $3,116.62 payment and $210,991.60 of interest, against $534,462.40 on the 30-year — for a $659.78 a month higher payment.
There is no published conventional 30-year rate below 620. FHA loans open at 580 with 3.5% down — the calculator shows a “below the published table” note, not a rate.