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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 | 6.930%APR 6.967% | 0 pts$0 | $1,911/moP&I $1,911 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.949%APR 6.719% | 0 pts$0 | $1,890/moP&I $1,755 · MI $135 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.055%APR 6.108% | 0 pts$0 | $1,744/moP&I $1,744 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.892%APR 6.930% | 0 pts$0 | $1,903/moP&I $1,903 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.685% | 0 pts$0 | $2,047/moP&I $2,047 · 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 | 6.055% | 6.108% | 0 pts ($0) | $2,449/mo | $49,200 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.029% | 6.083% | 0 pts ($0) | $3,056/mo | $68,277 |
Condo 10% Down | 10% | 720 credit score | 7.250% | 7.422% | 0 pts ($0) | $2,220/mo | $78,026 |
Conventional 10% Down | 10% | 720 credit score | 6.758% | 6.918% | 0 pts ($0) | $2,112/mo | $73,201 |
Conventional 20% Down | 20% | 740 credit score | 6.930% | 6.967% | 0 pts ($0) | $1,911/mo | $59,191 |
Conventional 5% Down | 5% | 700 credit score | 7.056% | 7.538% | 0 pts ($0) | $2,298/mo | $80,352 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.375% | 7.415% | 0 pts ($0) | $2,497/mo | $85,890 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,139/mo | $72,484 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.825% | 7.203% | 0 pts ($0) | $2,292/mo | $82,758 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.892% | 6.930% | 0 pts ($0) | $2,379/mo | $80,625 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,983/mo | $71,125 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.949% | 6.719% | 0 pts ($0) | $2,117/mo | $74,132 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,190/mo | $76,677 |
FHA Streamline Refi | 0% | 640 credit score | 6.068% | 6.840% | 0 pts ($0) | $2,221/mo | $78,136 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.014% | 7.259% | 0 pts ($0) | $2,288/mo | $83,008 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,262/mo | $44,281 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.685% | 0 pts ($0) | $1,919/mo | $61,176 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,948/mo | $60,891 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,102/mo | $64,453 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.309% | 7.085% | 0 pts ($0) | $2,199/mo | $77,973 |
Second Home 10% Down | 10% | 720 credit score | 5.954% | 6.527% | 0 pts ($0) | $1,941/mo | $65,330 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,902/mo | $58,790 |
VA 0% Down | 0% | 700 credit score | 6.070% | 6.315% | 0 pts ($0) | $2,231/mo | $73,793 |
VA Cash-Out Refi | 0% | 640 credit score | 6.074% | 6.444% | 0 pts ($0) | $2,232/mo | $73,838 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.081% | 6.234% | 0 pts ($0) | $2,233/mo | $73,915 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,989/mo | $62,932 |
Frequently Asked Questions
What are today's mortgage rates in 12812, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 12812, , NY is 6.930% (with an estimated monthly payment of $1,966). Active program rates also include FHA 30-year fixed loans at 5.949% and VA 0%-down fixed loans at 6.070%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 12812, , 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 12812, , NY have fluctuated between a low of 6.574% and a high of 7.017%. 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 12812, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $361,507 in 12812, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $72,301 but keeps your monthly payment lower at $1,966/mo (at 6.930% interest) with no monthly PMI. In comparison, an FHA loan requires only $12,653 (3.5% down) but has an estimated payment of $2,178/mo (at 5.949% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $348,854 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 12812 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 12812 is $806,501. With a typical local home value of $361,507 in , a standard 20%-down mortgage requires a loan size of $289,206. 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 12812, , NY impact estimated mortgage payments?
The median home value in 12812, , NY is estimated at $361,507. Buying a typical home here with a standard 20% down payment ($72,301) translates to an estimated starting monthly mortgage payment of $1,966 (principal and interest). Compared to the local area median household income of $62,824 ($5,235/mo), this basic housing payment represents approximately 37.6% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.