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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 | 7.050%APR 7.091% | 0 pts$0 | $1,175/moP&I $1,175 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.086%APR 6.861% | 0 pts$0 | $1,164/moP&I $1,082 · MI $82 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.301%APR 6.361% | 0 pts$0 | $1,088/moP&I $1,088 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.215%APR 7.297% | 0 pts$0 | $1,195/moP&I $1,195 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.694% | 0 pts$0 | $1,244/moP&I $1,244 · 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 | 6.301% | 6.361% | 0 pts ($0) | $1,512/mo | $31,155 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.295% | 6.374% | 0 pts ($0) | $1,889/mo | $43,190 |
Condo 10% Down | 10% | 720 credit score | 7.267% | 7.443% | 0 pts ($0) | $1,351/mo | $47,522 |
Conventional 10% Down | 10% | 720 credit score | 6.848% | 7.013% | 0 pts ($0) | $1,295/mo | $45,024 |
Conventional 20% Down | 20% | 740 credit score | 7.050% | 7.091% | 0 pts ($0) | $1,175/mo | $36,609 |
Conventional 5% Down | 5% | 700 credit score | 7.249% | 7.741% | 0 pts ($0) | $1,424/mo | $50,049 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.491% | 7.535% | 0 pts ($0) | $1,535/mo | $52,969 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,300/mo | $44,052 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.855% | 7.236% | 0 pts ($0) | $1,397/mo | $50,489 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.215% | 7.297% | 0 pts ($0) | $1,494/mo | $51,139 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,813/mo | $43,226 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.086% | 6.861% | 0 pts ($0) | $1,305/mo | $45,942 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,331/mo | $46,600 |
FHA Streamline Refi | 0% | 640 credit score | 6.280% | 7.058% | 0 pts ($0) | $1,381/mo | $48,912 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.172% | 7.424% | 0 pts ($0) | $1,413/mo | $51,442 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,375/mo | $26,912 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.694% | 0 pts ($0) | $1,166/mo | $37,180 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,184/mo | $37,007 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,278/mo | $39,172 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.448% | 7.229% | 0 pts ($0) | $1,356/mo | $48,291 |
Second Home 10% Down | 10% | 720 credit score | 6.087% | 6.667% | 0 pts ($0) | $1,197/mo | $40,495 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,156/mo | $35,730 |
VA 0% Down | 0% | 700 credit score | 6.090% | 6.338% | 0 pts ($0) | $1,359/mo | $44,983 |
VA Cash-Out Refi | 0% | 640 credit score | 6.094% | 6.467% | 0 pts ($0) | $1,359/mo | $45,010 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.112% | 6.269% | 0 pts ($0) | $1,362/mo | $45,131 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,209/mo | $38,247 |
Frequently Asked Questions
What are today's mortgage rates in 13076, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 13076, , NY is 7.050% (with an estimated monthly payment of $1,393). Active program rates also include FHA 30-year fixed loans at 6.086% and VA 0%-down fixed loans at 6.090%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 13076, , 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 13076, , NY have fluctuated between a low of 6.933% and a high of 7.193%. 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 13076, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $219,707 in 13076, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $43,941 but keeps your monthly payment lower at $1,393/mo (at 7.050% interest) with no monthly PMI. In comparison, an FHA loan requires only $7,690 (3.5% down) but has an estimated payment of $1,547/mo (at 6.086% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $212,017 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 13076 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 13076 is $806,501. With a typical local home value of $219,707 in , a standard 20%-down mortgage requires a loan size of $175,766. 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 13076, , NY impact estimated mortgage payments?
The median home value in 13076, , NY is estimated at $219,707. Buying a typical home here with a standard 20% down payment ($43,941) translates to an estimated starting monthly mortgage payment of $1,393 (principal and interest). Compared to the local area median household income of $91,064 ($7,589/mo), this basic housing payment represents approximately 18.4% 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.