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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 | 6.937%APR 6.974% | 0 pts$0 | $1,856/moP&I $1,856 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.951%APR 6.721% | 0 pts$0 | $1,835/moP&I $1,704 · MI $131 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.068%APR 6.122% | 0 pts$0 | $1,696/moP&I $1,696 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.962%APR 7.000% | 0 pts$0 | $1,861/moP&I $1,861 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.688% | 0 pts$0 | $1,987/moP&I $1,987 · 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 | 6.068% | 6.122% | 0 pts ($0) | $2,380/mo | $47,871 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.012% | 6.066% | 0 pts ($0) | $2,964/mo | $66,113 |
Condo 10% Down | 10% | 720 credit score | 7.257% | 7.429% | 0 pts ($0) | $2,156/mo | $75,817 |
Conventional 10% Down | 10% | 720 credit score | 6.763% | 6.923% | 0 pts ($0) | $2,051/mo | $71,114 |
Conventional 20% Down | 20% | 740 credit score | 6.937% | 6.974% | 0 pts ($0) | $1,856/mo | $57,524 |
Conventional 5% Down | 5% | 700 credit score | 7.065% | 7.547% | 0 pts ($0) | $2,233/mo | $78,099 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.378% | 7.418% | 0 pts ($0) | $2,425/mo | $83,417 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,077/mo | $70,370 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.827% | 7.205% | 0 pts ($0) | $2,226/mo | $80,365 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.962% | 7.000% | 0 pts ($0) | $2,326/mo | $79,014 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,896/mo | $69,051 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.951% | 6.721% | 0 pts ($0) | $2,055/mo | $71,991 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,126/mo | $74,441 |
FHA Streamline Refi | 0% | 640 credit score | 6.071% | 6.843% | 0 pts ($0) | $2,157/mo | $75,889 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.022% | 7.268% | 0 pts ($0) | $2,223/mo | $80,667 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,196/mo | $42,990 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.688% | 0 pts ($0) | $1,863/mo | $59,392 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,892/mo | $59,116 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,041/mo | $62,574 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.311% | 7.087% | 0 pts ($0) | $2,136/mo | $75,720 |
Second Home 10% Down | 10% | 720 credit score | 5.956% | 6.530% | 0 pts ($0) | $1,885/mo | $63,444 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,846/mo | $57,076 |
VA 0% Down | 0% | 700 credit score | 6.073% | 6.319% | 0 pts ($0) | $2,166/mo | $71,674 |
VA Cash-Out Refi | 0% | 640 credit score | 6.076% | 6.446% | 0 pts ($0) | $2,167/mo | $71,706 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.083% | 6.237% | 0 pts ($0) | $2,169/mo | $71,781 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,931/mo | $61,097 |
Frequently Asked Questions
What are today's mortgage rates in 05769, , VT across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 05769, , VT is 6.937% (with an estimated monthly payment of $1,917). Active program rates also include FHA 30-year fixed loans at 5.951% and VA 0%-down fixed loans at 6.073%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 05769, , 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 05769, , VT have fluctuated between a low of 6.584% and a high of 7.031%. 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 05769, , VT?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $350,965 in 05769, , VT, a standard 20%-down Conventional loan requires an upfront cash down payment of $70,193 but keeps your monthly payment lower at $1,917/mo (at 6.937% interest) with no monthly PMI. In comparison, an FHA loan requires only $12,284 (3.5% down) but has an estimated payment of $2,123/mo (at 5.951% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $338,681 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 05769 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 05769 is $806,501. With a typical local home value of $350,965 in , a standard 20%-down mortgage requires a loan size of $280,772. 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 05769, , VT impact estimated mortgage payments?
The median home value in 05769, , VT is estimated at $350,965. Buying a typical home here with a standard 20% down payment ($70,193) translates to an estimated starting monthly mortgage payment of $1,917 (principal and interest). Compared to the local area median household income of $87,452 ($7,288/mo), this basic housing payment represents approximately 26.3% 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.