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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 | 6.866%APR 6.901% | 0 pts$0 | $2,904/moP&I $2,904 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.997%APR 6.766% | 0 pts$0 | $2,904/moP&I $2,698 · MI $206 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.941%APR 5.990% | 0 pts$0 | $2,636/moP&I $2,636 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.904%APR 6.940% | 0 pts$0 | $2,915/moP&I $2,915 · MI $0 | See details |
| Investment Property FixedConforming | 7.576%APR 7.616% | 0 pts$0 | $3,116/moP&I $3,116 · 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 | 5.941% | 5.990% | 0 pts ($0) | $3,719/mo | $73,801 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.907% | 5.956% | 0 pts ($0) | $4,639/mo | $102,491 |
Condo 10% Down | 10% | 720 credit score | 7.095% | 7.261% | 0 pts ($0) | $3,343/mo | $117,030 |
Conventional 10% Down | 10% | 720 credit score | 6.561% | 6.715% | 0 pts ($0) | $3,166/mo | $109,022 |
Conventional 20% Down | 20% | 740 credit score | 6.866% | 6.901% | 0 pts ($0) | $2,904/mo | $89,692 |
Conventional 5% Down | 5% | 700 credit score | 6.986% | 7.463% | 0 pts ($0) | $3,490/mo | $121,805 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.310% | 7.348% | 0 pts ($0) | $3,795/mo | $130,301 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,273/mo | $110,878 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.773% | 7.147% | 0 pts ($0) | $3,487/mo | $125,754 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.904% | 6.940% | 0 pts ($0) | $3,644/mo | $123,531 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,563/mo | $108,800 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.997% | 6.766% | 0 pts ($0) | $3,254/mo | $114,182 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,350/mo | $117,292 |
FHA Streamline Refi | 0% | 640 credit score | 6.146% | 6.917% | 0 pts ($0) | $3,427/mo | $120,844 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.960% | 7.203% | 0 pts ($0) | $3,481/mo | $126,122 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,460/mo | $67,737 |
Investment Property 25% Down | 25% | 740 credit score | 7.576% | 7.616% | 0 pts ($0) | $2,922/mo | $92,967 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,981/mo | $93,146 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,215/mo | $98,594 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.371% | 7.146% | 0 pts ($0) | $3,386/mo | $120,289 |
Second Home 10% Down | 10% | 720 credit score | 6.020% | 6.594% | 0 pts ($0) | $2,990/mo | $100,923 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,909/mo | $89,932 |
VA 0% Down | 0% | 700 credit score | 5.997% | 6.239% | 0 pts ($0) | $3,386/mo | $111,642 |
VA Cash-Out Refi | 0% | 640 credit score | 6.003% | 6.370% | 0 pts ($0) | $3,388/mo | $111,744 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.025% | 6.176% | 0 pts ($0) | $3,396/mo | $112,118 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,043/mo | $96,268 |
Frequently Asked Questions
What are today's mortgage rates in 18002, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 18002, , PA is 6.866% (with an estimated monthly payment of $2,612). Active program rates also include FHA 30-year fixed loans at 5.997% and VA 0%-down fixed loans at 5.997%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 18002, , 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 18002, , PA have fluctuated between a low of 6.487% and a high of 6.948%. 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 18002, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $552,998 in 18002, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $110,600 but keeps your monthly payment lower at $2,612/mo (at 6.866% interest) with no monthly PMI. In comparison, an FHA loan requires only $19,355 (3.5% down) but has an estimated payment of $2,927/mo (at 5.997% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $533,643 exceeds the local HUD FHA limit of $524,225 for a 1-unit property, meaning entry-level buyers here will likely require conventional financing or a larger down payment to comply with government limits.
What is the maximum conforming loan limit in 18002 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 18002 is $806,501. With a typical local home value of $552,998 in , a standard 20%-down mortgage requires a loan size of $442,398. 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 18002, , PA impact estimated mortgage payments?
The median home value in 18002, , PA is estimated at $552,998. Buying a typical home here with a standard 20% down payment ($110,600) translates to an estimated starting monthly mortgage payment of $2,612 (principal and interest). Compared to the local area median household income of $101,205 ($8,434/mo), this basic housing payment represents approximately 31.0% 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.