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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 | 6.852%APR 6.886% | 0 pts$0 | $2,457/moP&I $2,457 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.983%APR 6.751% | 0 pts$0 | $2,458/moP&I $2,283 · MI $175 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.915%APR 5.963% | 0 pts$0 | $2,227/moP&I $2,227 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.586%APR 6.620% | 0 pts$0 | $2,391/moP&I $2,391 · MI $0 | See details |
| Investment Property FixedConforming | 7.552%APR 7.591% | 0 pts$0 | $2,635/moP&I $2,635 · 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 | 5.915% | 5.963% | 0 pts ($0) | $3,147/mo | $62,265 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.912% | 5.962% | 0 pts ($0) | $3,933/mo | $86,930 |
Condo 10% Down | 10% | 720 credit score | 7.069% | 7.235% | 0 pts ($0) | $2,826/mo | $98,854 |
Conventional 10% Down | 10% | 720 credit score | 6.543% | 6.696% | 0 pts ($0) | $2,678/mo | $92,169 |
Conventional 20% Down | 20% | 740 credit score | 6.852% | 6.886% | 0 pts ($0) | $2,457/mo | $75,857 |
Conventional 5% Down | 5% | 700 credit score | 6.974% | 7.450% | 0 pts ($0) | $2,954/mo | $103,070 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.295% | 7.332% | 0 pts ($0) | $3,211/mo | $110,220 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,773/mo | $93,971 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.755% | 7.129% | 0 pts ($0) | $2,950/mo | $106,332 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.586% | 6.620% | 0 pts ($0) | $2,989/mo | $100,205 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,867/mo | $92,209 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.983% | 6.751% | 0 pts ($0) | $2,754/mo | $96,577 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,840/mo | $99,407 |
FHA Streamline Refi | 0% | 640 credit score | 6.114% | 6.884% | 0 pts ($0) | $2,894/mo | $101,958 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.948% | 7.190% | 0 pts ($0) | $2,947/mo | $106,729 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,932/mo | $57,408 |
Investment Property 25% Down | 25% | 740 credit score | 7.552% | 7.591% | 0 pts ($0) | $2,470/mo | $78,536 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,526/mo | $78,942 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,725/mo | $83,560 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.354% | 7.128% | 0 pts ($0) | $2,865/mo | $101,711 |
Second Home 10% Down | 10% | 720 credit score | 5.998% | 6.571% | 0 pts ($0) | $2,528/mo | $85,255 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,465/mo | $76,218 |
VA 0% Down | 0% | 700 credit score | 5.980% | 6.222% | 0 pts ($0) | $2,864/mo | $94,373 |
VA Cash-Out Refi | 0% | 640 credit score | 5.987% | 6.353% | 0 pts ($0) | $2,866/mo | $94,474 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.999% | 6.149% | 0 pts ($0) | $2,870/mo | $94,647 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,579/mo | $81,588 |
Frequently Asked Questions
What are today's mortgage rates in 05031, , VT across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 05031, , VT is 6.852% (with an estimated monthly payment of $2,832). Active program rates also include FHA 30-year fixed loans at 5.983% and VA 0%-down fixed loans at 5.980%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 05031, , VT?
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 05031, , VT have fluctuated between a low of 6.473% and a high of 6.933%. 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 05031, , VT?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $468,672 in 05031, , VT, a standard 20%-down Conventional loan requires an upfront cash down payment of $93,734 but keeps your monthly payment lower at $2,832/mo (at 6.852% interest) with no monthly PMI. In comparison, an FHA loan requires only $16,404 (3.5% down) but has an estimated payment of $3,174/mo (at 5.983% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $452,268 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 05031 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 05031 is $806,501. With a typical local home value of $468,672 in , a standard 20%-down mortgage requires a loan size of $374,938. 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 05031, , VT impact estimated mortgage payments?
The median home value in 05031, , VT is estimated at $468,672. Buying a typical home here with a standard 20% down payment ($93,734) translates to an estimated starting monthly mortgage payment of $2,832 (principal and interest). Compared to the local area median household income of $84,707 ($7,059/mo), this basic housing payment represents approximately 40.1% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.