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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 | 6.883%APR 6.919% | 0 pts$0 | $2,477/moP&I $2,477 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.020%APR 6.790% | 0 pts$0 | $2,479/moP&I $2,304 · MI $176 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.967%APR 6.017% | 0 pts$0 | $2,251/moP&I $2,251 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.840%APR 6.876% | 0 pts$0 | $2,467/moP&I $2,467 · MI $0 | See details |
| Investment Property FixedConforming | 7.599%APR 7.640% | 0 pts$0 | $2,660/moP&I $2,660 · 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 | 5.967% | 6.017% | 0 pts ($0) | $3,173/mo | $63,146 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.943% | 5.994% | 0 pts ($0) | $3,960/mo | $87,790 |
Condo 10% Down | 10% | 720 credit score | 7.119% | 7.286% | 0 pts ($0) | $2,854/mo | $99,990 |
Conventional 10% Down | 10% | 720 credit score | 6.578% | 6.733% | 0 pts ($0) | $2,701/mo | $93,080 |
Conventional 20% Down | 20% | 740 credit score | 6.883% | 6.919% | 0 pts ($0) | $2,477/mo | $76,590 |
Conventional 5% Down | 5% | 700 credit score | 6.998% | 7.475% | 0 pts ($0) | $2,976/mo | $103,913 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.324% | 7.362% | 0 pts ($0) | $3,237/mo | $111,186 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,787/mo | $94,443 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.789% | 7.164% | 0 pts ($0) | $2,975/mo | $107,335 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.840% | 6.876% | 0 pts ($0) | $3,083/mo | $104,313 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,887/mo | $92,673 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.020% | 6.790% | 0 pts ($0) | $2,779/mo | $97,577 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,854/mo | $99,907 |
FHA Streamline Refi | 0% | 640 credit score | 6.192% | 6.965% | 0 pts ($0) | $2,933/mo | $103,595 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.971% | 7.215% | 0 pts ($0) | $2,968/mo | $107,576 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,947/mo | $57,697 |
Investment Property 25% Down | 25% | 740 credit score | 7.599% | 7.640% | 0 pts ($0) | $2,494/mo | $79,433 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,539/mo | $79,339 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,739/mo | $83,980 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.391% | 7.167% | 0 pts ($0) | $2,890/mo | $102,737 |
Second Home 10% Down | 10% | 720 credit score | 6.044% | 6.619% | 0 pts ($0) | $2,554/mo | $86,270 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,478/mo | $76,602 |
VA 0% Down | 0% | 700 credit score | 6.014% | 6.257% | 0 pts ($0) | $2,889/mo | $95,340 |
VA Cash-Out Refi | 0% | 640 credit score | 6.025% | 6.392% | 0 pts ($0) | $2,893/mo | $95,499 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.049% | 6.201% | 0 pts ($0) | $2,900/mo | $95,846 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,592/mo | $81,999 |
Frequently Asked Questions
What are today's mortgage rates in 12527, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 12527, , NY is 6.883% (with an estimated monthly payment of $2,435). Active program rates also include FHA 30-year fixed loans at 6.020% and VA 0%-down fixed loans at 6.014%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 12527, , 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 12527, , NY have fluctuated between a low of 6.495% and a high of 6.961%. 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 12527, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $471,030 in 12527, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $94,206 but keeps your monthly payment lower at $2,435/mo (at 6.883% interest) with no monthly PMI. In comparison, an FHA loan requires only $16,486 (3.5% down) but has an estimated payment of $2,732/mo (at 6.020% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $454,544 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 12527 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 12527 is $806,501. With a typical local home value of $471,030 in , a standard 20%-down mortgage requires a loan size of $376,824. 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 12527, , NY impact estimated mortgage payments?
The median home value in 12527, , NY is estimated at $471,030. Buying a typical home here with a standard 20% down payment ($94,206) translates to an estimated starting monthly mortgage payment of $2,435 (principal and interest). Compared to the local area median household income of $86,921 ($7,243/mo), this basic housing payment represents approximately 33.6% 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.