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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 | 6.893%APR 6.929% | 0 pts$0 | $2,369/moP&I $2,369 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.037%APR 6.807% | 0 pts$0 | $2,373/moP&I $2,205 · MI $168 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.986%APR 6.037% | 0 pts$0 | $2,155/moP&I $2,155 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.854%APR 6.890% | 0 pts$0 | $2,360/moP&I $2,360 · MI $0 | See details |
| Investment Property FixedConforming | 7.617%APR 7.658% | 0 pts$0 | $2,546/moP&I $2,546 · 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 | 5.986% | 6.037% | 0 pts ($0) | $3,035/mo | $60,518 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.969% | 6.021% | 0 pts ($0) | $3,789/mo | $84,201 |
Condo 10% Down | 10% | 720 credit score | 7.140% | 7.308% | 0 pts ($0) | $2,732/mo | $95,773 |
Conventional 10% Down | 10% | 720 credit score | 6.591% | 6.747% | 0 pts ($0) | $2,584/mo | $89,074 |
Conventional 20% Down | 20% | 740 credit score | 6.893% | 6.929% | 0 pts ($0) | $2,369/mo | $73,272 |
Conventional 5% Down | 5% | 700 credit score | 7.005% | 7.483% | 0 pts ($0) | $2,845/mo | $99,354 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.335% | 7.374% | 0 pts ($0) | $3,095/mo | $106,361 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,663/mo | $90,218 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.802% | 7.177% | 0 pts ($0) | $2,846/mo | $102,703 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.854% | 6.890% | 0 pts ($0) | $2,950/mo | $99,835 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,713/mo | $88,527 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.037% | 6.807% | 0 pts ($0) | $2,659/mo | $93,438 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,726/mo | $95,437 |
FHA Streamline Refi | 0% | 640 credit score | 6.226% | 6.999% | 0 pts ($0) | $2,812/mo | $99,428 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.980% | 7.224% | 0 pts ($0) | $2,838/mo | $102,879 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,815/mo | $55,115 |
Investment Property 25% Down | 25% | 740 credit score | 7.617% | 7.658% | 0 pts ($0) | $2,387/mo | $76,062 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,425/mo | $75,790 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,616/mo | $80,223 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.406% | 7.182% | 0 pts ($0) | $2,765/mo | $98,340 |
Second Home 10% Down | 10% | 720 credit score | 5.942% | 6.514% | 0 pts ($0) | $2,413/mo | $81,169 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,367/mo | $73,174 |
VA 0% Down | 0% | 700 credit score | 6.031% | 6.275% | 0 pts ($0) | $2,765/mo | $91,309 |
VA Cash-Out Refi | 0% | 640 credit score | 6.043% | 6.411% | 0 pts ($0) | $2,768/mo | $91,475 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.065% | 6.217% | 0 pts ($0) | $2,775/mo | $91,779 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,476/mo | $78,330 |
Frequently Asked Questions
What are today's mortgage rates in 05770, , VT across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 05770, , VT is 6.893% (with an estimated monthly payment of $2,316). Active program rates also include FHA 30-year fixed loans at 6.037% and VA 0%-down fixed loans at 6.031%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 05770, , 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 05770, , VT have fluctuated between a low of 6.512% and a high of 6.972%. 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 05770, , VT?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $449,956 in 05770, , VT, a standard 20%-down Conventional loan requires an upfront cash down payment of $89,991 but keeps your monthly payment lower at $2,316/mo (at 6.893% interest) with no monthly PMI. In comparison, an FHA loan requires only $15,748 (3.5% down) but has an estimated payment of $2,599/mo (at 6.037% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $434,208 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 05770 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 05770 is $806,501. With a typical local home value of $449,956 in , a standard 20%-down mortgage requires a loan size of $359,965. 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 05770, , VT impact estimated mortgage payments?
The median home value in 05770, , VT is estimated at $449,956. Buying a typical home here with a standard 20% down payment ($89,991) translates to an estimated starting monthly mortgage payment of $2,316 (principal and interest). Compared to the local area median household income of $89,348 ($7,446/mo), this basic housing payment represents approximately 31.1% 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.