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Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.855%APR 6.890% | 0 pts$0 | $2,761/moP&I $2,761 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.987%APR 6.755% | 0 pts$0 | $2,762/moP&I $2,566 · MI $196 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.921%APR 5.970% | 0 pts$0 | $2,504/moP&I $2,504 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.894%APR 6.929% | 0 pts$0 | $2,772/moP&I $2,772 · MI $0 | See details |
| Investment Property FixedConforming | 7.557%APR 7.597% | 0 pts$0 | $2,962/moP&I $2,962 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 5.921% | 5.970% | 0 pts ($0) | $3,537/mo | $70,025 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.889% | 5.938% | 0 pts ($0) | $4,412/mo | $97,310 |
Condo 10% Down | 10% | 720 credit score | 7.075% | 7.241% | 0 pts ($0) | $3,177/mo | $111,142 |
Conventional 10% Down | 10% | 720 credit score | 6.547% | 6.701% | 0 pts ($0) | $3,010/mo | $103,604 |
Conventional 20% Down | 20% | 740 credit score | 6.855% | 6.890% | 0 pts ($0) | $2,761/mo | $85,259 |
Conventional 5% Down | 5% | 700 credit score | 6.977% | 7.453% | 0 pts ($0) | $3,320/mo | $115,839 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.298% | 7.336% | 0 pts ($0) | $3,609/mo | $123,873 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,116/mo | $105,571 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.759% | 7.133% | 0 pts ($0) | $3,316/mo | $119,519 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.894% | 6.929% | 0 pts ($0) | $3,466/mo | $117,459 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,345/mo | $103,592 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.987% | 6.755% | 0 pts ($0) | $3,095/mo | $108,561 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,190/mo | $111,678 |
FHA Streamline Refi | 0% | 640 credit score | 6.120% | 6.891% | 0 pts ($0) | $3,253/mo | $114,640 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.951% | 7.193% | 0 pts ($0) | $3,311/mo | $119,949 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,294/mo | $64,494 |
Investment Property 25% Down | 25% | 740 credit score | 7.557% | 7.597% | 0 pts ($0) | $2,777/mo | $88,291 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,838/mo | $88,687 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,062/mo | $93,875 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.359% | 7.134% | 0 pts ($0) | $3,220/mo | $114,344 |
Second Home 10% Down | 10% | 720 credit score | 5.999% | 6.572% | 0 pts ($0) | $2,841/mo | $95,793 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,770/mo | $85,627 |
VA 0% Down | 0% | 700 credit score | 5.984% | 6.226% | 0 pts ($0) | $3,219/mo | $106,088 |
VA Cash-Out Refi | 0% | 640 credit score | 5.991% | 6.357% | 0 pts ($0) | $3,222/mo | $106,201 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.005% | 6.155% | 0 pts ($0) | $3,226/mo | $106,427 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,897/mo | $91,659 |
Frequently Asked Questions
What are today's mortgage rates in 02823, , RI across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 02823, , RI is 6.855% (with an estimated monthly payment of $2,783). Active program rates also include FHA 30-year fixed loans at 5.987% and VA 0%-down fixed loans at 5.984%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 02823, , RI?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in 02823, , RI have fluctuated between a low of 6.476% and a high of 6.936%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in 02823, , RI?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $526,526 in 02823, , RI, a standard 20%-down Conventional loan requires an upfront cash down payment of $105,305 but keeps your monthly payment lower at $2,783/mo (at 6.855% interest) with no monthly PMI. In comparison, an FHA loan requires only $18,428 (3.5% down) but has an estimated payment of $3,119/mo (at 5.987% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $508,098 falls comfortably within the local HUD FHA loan limit of $541,287 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 02823 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 02823 is $806,501. With a typical local home value of $526,526 in , a standard 20%-down mortgage requires a loan size of $421,221. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in 02823, , RI impact estimated mortgage payments?
The median home value in 02823, , RI is estimated at $526,526. Buying a typical home here with a standard 20% down payment ($105,305) translates to an estimated starting monthly mortgage payment of $2,783 (principal and interest). Compared to the local area median household income of $131,215 ($10,935/mo), this basic housing payment represents approximately 25.5% of gross monthly household income. This housing cost is well within standard lender affordability guidelines (under the 36% DTI benchmark), demonstrating healthy local purchasing power.