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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 | $2,414/moP&I $2,414 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.984%APR 6.752% | 0 pts$0 | $2,415/moP&I $2,243 · MI $172 | 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 | $2,188/moP&I $2,188 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.583%APR 6.617% | 0 pts$0 | $2,348/moP&I $2,348 · MI $0 | See details |
| Investment Property FixedConforming | 7.552%APR 7.592% | 0 pts$0 | $2,588/moP&I $2,588 · 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) | $3,091/mo | $61,160 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.909% | 5.958% | 0 pts ($0) | $3,862/mo | $85,347 |
Condo 10% Down | 10% | 720 credit score | 7.070% | 7.236% | 0 pts ($0) | $2,776/mo | $97,111 |
Conventional 10% Down | 10% | 720 credit score | 6.543% | 6.696% | 0 pts ($0) | $2,630/mo | $90,533 |
Conventional 20% Down | 20% | 740 credit score | 6.852% | 6.886% | 0 pts ($0) | $2,414/mo | $74,510 |
Conventional 5% Down | 5% | 700 credit score | 6.975% | 7.451% | 0 pts ($0) | $2,902/mo | $101,254 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.295% | 7.332% | 0 pts ($0) | $3,154/mo | $108,263 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,724/mo | $92,302 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.756% | 7.130% | 0 pts ($0) | $2,898/mo | $104,457 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.583% | 6.617% | 0 pts ($0) | $2,935/mo | $98,384 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,799/mo | $90,572 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.984% | 6.752% | 0 pts ($0) | $2,705/mo | $94,876 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,789/mo | $97,642 |
FHA Streamline Refi | 0% | 640 credit score | 6.115% | 6.885% | 0 pts ($0) | $2,843/mo | $100,162 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.948% | 7.190% | 0 pts ($0) | $2,894/mo | $104,834 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,880/mo | $56,389 |
Investment Property 25% Down | 25% | 740 credit score | 7.552% | 7.592% | 0 pts ($0) | $2,426/mo | $77,142 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,481/mo | $77,540 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,677/mo | $82,076 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.354% | 7.128% | 0 pts ($0) | $2,814/mo | $99,905 |
Second Home 10% Down | 10% | 720 credit score | 5.999% | 6.572% | 0 pts ($0) | $2,484/mo | $83,753 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,422/mo | $74,865 |
VA 0% Down | 0% | 700 credit score | 5.980% | 6.222% | 0 pts ($0) | $2,813/mo | $92,698 |
VA Cash-Out Refi | 0% | 640 credit score | 5.988% | 6.354% | 0 pts ($0) | $2,816/mo | $92,811 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.000% | 6.150% | 0 pts ($0) | $2,819/mo | $92,981 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,533/mo | $80,140 |
Frequently Asked Questions
What are today's mortgage rates in 05356, , VT across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 05356, , VT is 6.852% (with an estimated monthly payment of $2,825). Active program rates also include FHA 30-year fixed loans at 5.984% 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 05356, , 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 05356, , 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 05356, , VT?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $460,351 in 05356, , VT, a standard 20%-down Conventional loan requires an upfront cash down payment of $92,070 but keeps your monthly payment lower at $2,825/mo (at 6.852% interest) with no monthly PMI. In comparison, an FHA loan requires only $16,112 (3.5% down) but has an estimated payment of $3,167/mo (at 5.984% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $444,239 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 05356 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 05356 is $806,501. With a typical local home value of $460,351 in , a standard 20%-down mortgage requires a loan size of $368,281. 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 05356, , VT impact estimated mortgage payments?
The median home value in 05356, , VT is estimated at $460,351. Buying a typical home here with a standard 20% down payment ($92,070) translates to an estimated starting monthly mortgage payment of $2,825 (principal and interest). Compared to the local area median household income of $52,313 ($4,359/mo), this basic housing payment represents approximately 64.8% 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.