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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 | 7.315%APR 7.365% | 0 pts$0 | $1,026/moP&I $1,026 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.123%APR 6.904% | 0 pts$0 | $994/moP&I $924 · MI $70 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.625%APR 6.699% | 0 pts$0 | $957/moP&I $957 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.329%APR 7.406% | 0 pts$0 | $1,028/moP&I $1,028 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.837% | 0 pts$0 | $1,058/moP&I $1,058 · 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 | 6.625% | 6.699% | 0 pts ($0) | $1,312/mo | $27,904 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.418% | 6.501% | 0 pts ($0) | $1,619/mo | $37,400 |
Condo 10% Down | 10% | 720 credit score | 7.541% | 7.731% | 0 pts ($0) | $1,181/mo | $41,806 |
Conventional 10% Down | 10% | 720 credit score | 6.950% | 7.123% | 0 pts ($0) | $1,113/mo | $38,809 |
Conventional 20% Down | 20% | 740 credit score | 7.315% | 7.365% | 0 pts ($0) | $1,026/mo | $32,330 |
Conventional 5% Down | 5% | 700 credit score | 7.200% | 7.697% | 0 pts ($0) | $1,205/mo | $42,303 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.625% | 7.711% | 0 pts ($0) | $1,323/mo | $45,804 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,106/mo | $37,465 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.812% | 7.197% | 0 pts ($0) | $1,183/mo | $42,705 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.329% | 7.406% | 0 pts ($0) | $1,285/mo | $44,135 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,542/mo | $36,763 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.123% | 6.904% | 0 pts ($0) | $1,115/mo | $39,276 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,132/mo | $39,632 |
FHA Streamline Refi | 0% | 640 credit score | 6.320% | 7.105% | 0 pts ($0) | $1,179/mo | $41,827 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.123% | 7.380% | 0 pts ($0) | $1,196/mo | $43,488 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,169/mo | $22,888 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.837% | 0 pts ($0) | $992/mo | $31,620 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,007/mo | $31,473 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,086/mo | $33,314 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.484% | 7.272% | 0 pts ($0) | $1,158/mo | $41,269 |
Second Home 10% Down | 10% | 720 credit score | 6.156% | 6.745% | 0 pts ($0) | $1,025/mo | $34,789 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $983/mo | $30,387 |
VA 0% Down | 0% | 700 credit score | 6.186% | 6.442% | 0 pts ($0) | $1,167/mo | $38,808 |
VA Cash-Out Refi | 0% | 640 credit score | 6.224% | 6.607% | 0 pts ($0) | $1,172/mo | $39,026 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.249% | 6.414% | 0 pts ($0) | $1,175/mo | $39,169 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,028/mo | $32,528 |
Frequently Asked Questions
What are today's mortgage rates in 16326, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 16326, , PA is 7.315% (with an estimated monthly payment of $849). Active program rates also include FHA 30-year fixed loans at 6.123% and VA 0%-down fixed loans at 6.186%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 16326, , PA?
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 16326, , PA have fluctuated between a low of 7.189% and a high of 7.369%. 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 16326, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $186,855 in 16326, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $37,371 but keeps your monthly payment lower at $849/mo (at 7.315% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,540 (3.5% down) but has an estimated payment of $922/mo (at 6.123% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $180,315 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 16326 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 16326 is $806,501. With a typical local home value of $186,855 in , a standard 20%-down mortgage requires a loan size of $149,484. 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 16326, , PA impact estimated mortgage payments?
The median home value in 16326, , PA is estimated at $186,855. Buying a typical home here with a standard 20% down payment ($37,371) translates to an estimated starting monthly mortgage payment of $849 (principal and interest). Compared to the local area median household income of $55,781 ($4,648/mo), this basic housing payment represents approximately 18.3% 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.