Select your Scenario
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.
See Safe Rate's top scoring lenders for Cropseyville
We rank active Cropseyville lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
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 | 6.935%APR 6.973% | 0 pts$0 | $2,102/moP&I $2,102 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.950%APR 6.720% | 0 pts$0 | $2,078/moP&I $1,930 · MI $148 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.064%APR 6.117% | 0 pts$0 | $1,920/moP&I $1,920 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.957%APR 6.995% | 0 pts$0 | $2,107/moP&I $2,107 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.687% | 0 pts$0 | $2,251/moP&I $2,251 · MI $0 | See details |
Personalize the rates on this page
Tell us your home budget and credit score to see exact payments and find your best-fit loan program instantly.
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 | 6.064% | 6.117% | 0 pts ($0) | $2,695/mo | $54,193 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.002% | 6.055% | 0 pts ($0) | $3,355/mo | $74,780 |
Condo 10% Down | 10% | 720 credit score | 7.255% | 7.427% | 0 pts ($0) | $2,442/mo | $85,867 |
Conventional 10% Down | 10% | 720 credit score | 6.762% | 6.922% | 0 pts ($0) | $2,324/mo | $80,549 |
Conventional 20% Down | 20% | 740 credit score | 6.935% | 6.973% | 0 pts ($0) | $2,102/mo | $65,146 |
Conventional 5% Down | 5% | 700 credit score | 7.063% | 7.545% | 0 pts ($0) | $2,529/mo | $88,450 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.376% | 7.417% | 0 pts ($0) | $2,746/mo | $94,473 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,353/mo | $79,717 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.827% | 7.205% | 0 pts ($0) | $2,521/mo | $91,040 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.957% | 6.995% | 0 pts ($0) | $2,634/mo | $89,449 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,281/mo | $78,223 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.950% | 6.720% | 0 pts ($0) | $2,328/mo | $81,541 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,409/mo | $84,329 |
FHA Streamline Refi | 0% | 640 credit score | 6.070% | 6.842% | 0 pts ($0) | $2,444/mo | $85,958 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.020% | 7.266% | 0 pts ($0) | $2,518/mo | $91,360 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,487/mo | $48,700 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.687% | 0 pts ($0) | $2,111/mo | $67,281 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,143/mo | $66,968 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,312/mo | $70,885 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.310% | 7.086% | 0 pts ($0) | $2,419/mo | $85,766 |
Second Home 10% Down | 10% | 720 credit score | 5.955% | 6.529% | 0 pts ($0) | $2,135/mo | $71,861 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,091/mo | $64,657 |
VA 0% Down | 0% | 700 credit score | 6.072% | 6.317% | 0 pts ($0) | $2,454/mo | $81,182 |
VA Cash-Out Refi | 0% | 640 credit score | 6.075% | 6.445% | 0 pts ($0) | $2,455/mo | $81,218 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.083% | 6.237% | 0 pts ($0) | $2,457/mo | $81,316 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,188/mo | $69,213 |
Frequently Asked Questions
What are today's mortgage rates in 12052, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 12052, , NY is 6.935% (with an estimated monthly payment of $1,930). Active program rates also include FHA 30-year fixed loans at 5.950% and VA 0%-down fixed loans at 6.072%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 12052, , NY?
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 12052, , NY have fluctuated between a low of 6.582% and a high of 7.028%. 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 12052, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $397,584 in 12052, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $79,517 but keeps your monthly payment lower at $1,930/mo (at 6.935% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,915 (3.5% down) but has an estimated payment of $2,137/mo (at 5.950% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $383,669 falls comfortably within the local HUD FHA loan limit of $541,287 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 12052 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 12052 is $806,501. With a typical local home value of $397,584 in , a standard 20%-down mortgage requires a loan size of $318,067. 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 12052, , NY impact estimated mortgage payments?
The median home value in 12052, , NY is estimated at $397,584. Buying a typical home here with a standard 20% down payment ($79,517) translates to an estimated starting monthly mortgage payment of $1,930 (principal and interest). Compared to the local area median household income of $113,637 ($9,470/mo), this basic housing payment represents approximately 20.4% 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.