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Homebuyers with a 740 FICO credit score and a 15% to 20% down payment: 0.75% increase

Homebuyers with a 620 FICO credit score and a down payment of 5% or less: 1.75% decrease

A change in federal mortgage rules soon to take effect will impose larger fees on homebuyers with high credit that will increase monthly payments while cutting them for those with lower credit.