How Credit Score Affects How Much House You Can Afford

Your credit score is one of the biggest factors lenders use when deciding how much they’re willing to lend you — and at what interest rate.

Credit Score Tiers & Impact

• 780+: Excellent — Best rates, highest loan amounts
• 740–779: Very Good — Great terms
• 670–739: Good — Still solid, slightly higher rates
• Below 670: Higher rates and stricter limits

Improving your credit score by just 50 points can easily save you tens of thousands in interest over the life of a loan.