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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 | 6.955%APR 6.993% | 0 pts$0 | $2,014/moP&I $2,014 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.956%APR 6.726% | 0 pts$0 | $1,988/moP&I $1,847 · MI $142 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.106%APR 6.161% | 0 pts$0 | $1,844/moP&I $1,844 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.969%APR 7.007% | 0 pts$0 | $2,017/moP&I $2,017 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.698% | 0 pts$0 | $2,153/moP&I $2,153 · 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 | 6.106% | 6.161% | 0 pts ($0) | $2,584/mo | $52,187 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.025% | 6.079% | 0 pts ($0) | $3,213/mo | $71,754 |
Condo 10% Down | 10% | 720 credit score | 7.279% | 7.452% | 0 pts ($0) | $2,341/mo | $82,349 |
Conventional 10% Down | 10% | 720 credit score | 6.779% | 6.940% | 0 pts ($0) | $2,226/mo | $77,192 |
Conventional 20% Down | 20% | 740 credit score | 6.955% | 6.993% | 0 pts ($0) | $2,014/mo | $62,473 |
Conventional 5% Down | 5% | 700 credit score | 7.090% | 7.573% | 0 pts ($0) | $2,425/mo | $84,866 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.399% | 7.440% | 0 pts ($0) | $2,632/mo | $90,595 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,250/mo | $76,222 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.832% | 7.211% | 0 pts ($0) | $2,412/mo | $87,104 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.969% | 7.007% | 0 pts ($0) | $2,521/mo | $85,665 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,137/mo | $74,793 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.956% | 6.726% | 0 pts ($0) | $2,227/mo | $78,033 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,303/mo | $80,631 |
FHA Streamline Refi | 0% | 640 credit score | 6.078% | 6.850% | 0 pts ($0) | $2,339/mo | $82,282 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.047% | 7.294% | 0 pts ($0) | $2,414/mo | $87,648 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,378/mo | $46,565 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.698% | 0 pts ($0) | $2,018/mo | $64,331 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,049/mo | $64,032 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,210/mo | $67,777 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.318% | 7.095% | 0 pts ($0) | $2,315/mo | $82,096 |
Second Home 10% Down | 10% | 720 credit score | 5.961% | 6.535% | 0 pts ($0) | $2,043/mo | $68,772 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,000/mo | $61,822 |
VA 0% Down | 0% | 700 credit score | 6.080% | 6.326% | 0 pts ($0) | $2,348/mo | $77,716 |
VA Cash-Out Refi | 0% | 640 credit score | 6.083% | 6.454% | 0 pts ($0) | $2,349/mo | $77,751 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.091% | 6.245% | 0 pts ($0) | $2,351/mo | $77,844 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,092/mo | $66,178 |
Frequently Asked Questions
What are today's mortgage rates in 05358, , VT across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 05358, , VT is 6.955% (with an estimated monthly payment of $1,788). Active program rates also include FHA 30-year fixed loans at 5.956% and VA 0%-down fixed loans at 6.080%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 05358, , 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 05358, , VT have fluctuated between a low of 6.615% and a high of 7.072%. 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 05358, , VT?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $380,151 in 05358, , VT, a standard 20%-down Conventional loan requires an upfront cash down payment of $76,030 but keeps your monthly payment lower at $1,788/mo (at 6.955% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,305 (3.5% down) but has an estimated payment of $1,977/mo (at 5.956% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $366,846 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 05358 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 05358 is $806,501. With a typical local home value of $380,151 in , a standard 20%-down mortgage requires a loan size of $304,121. 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 05358, , VT impact estimated mortgage payments?
The median home value in 05358, , VT is estimated at $380,151. Buying a typical home here with a standard 20% down payment ($76,030) translates to an estimated starting monthly mortgage payment of $1,788 (principal and interest). Compared to the local area median household income of $73,438 ($6,120/mo), this basic housing payment represents approximately 29.2% 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.