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Apparently GSEs like Fannie Mae have adjusted their fee structure. To see this you have to compare exhibit 3 in the with page 2 of the currently . I couldn't find a better source for the 2022 table.
There is no point in the fee matrix at which someone with bad credit pays less than someone with good credit. However, for a given credit rating putting less money down seems to lower the fee at certain points which makes almost no sense.
Apparently GSEs like Fannie Mae have adjusted their fee structure. To see this you have to compare exhibit 3 in the [2022 table](https://www.housingwire.com/articles/fratantoni-why-fhfa-and-gses-should-revisit-their-pricing-framework%EF%BF%BC/) with page 2 of the currently [published table](https://singlefamily.fanniemae.com/media/9391/display). I couldn't find a better source for the 2022 table.
There is no point in the fee matrix at which someone with bad credit pays less than someone with good credit. However, for a given credit rating putting less money down seems to lower the fee at certain points which makes almost no sense.
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