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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 | 6.953%APR 6.991% | 0 pts$0 | $1,733/moP&I $1,733 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.955%APR 6.725% | 0 pts$0 | $1,711/moP&I $1,589 · MI $122 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.101%APR 6.156% | 0 pts$0 | $1,586/moP&I $1,586 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.971%APR 7.009% | 0 pts$0 | $1,736/moP&I $1,736 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.697% | 0 pts$0 | $1,852/moP&I $1,852 · 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 | 6.101% | 6.156% | 0 pts ($0) | $2,223/mo | $44,866 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.029% | 6.083% | 0 pts ($0) | $2,765/mo | $61,779 |
Condo 10% Down | 10% | 720 credit score | 7.277% | 7.450% | 0 pts ($0) | $2,014/mo | $70,840 |
Conventional 10% Down | 10% | 720 credit score | 6.777% | 6.938% | 0 pts ($0) | $1,915/mo | $66,402 |
Conventional 20% Down | 20% | 740 credit score | 6.953% | 6.991% | 0 pts ($0) | $1,733/mo | $53,739 |
Conventional 5% Down | 5% | 700 credit score | 7.088% | 7.571% | 0 pts ($0) | $2,086/mo | $73,004 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.396% | 7.437% | 0 pts ($0) | $2,264/mo | $77,922 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,936/mo | $65,585 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.832% | 7.211% | 0 pts ($0) | $2,075/mo | $74,948 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.971% | 7.009% | 0 pts ($0) | $2,170/mo | $73,730 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,699/mo | $64,356 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.955% | 6.725% | 0 pts ($0) | $1,916/mo | $67,134 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,982/mo | $69,379 |
FHA Streamline Refi | 0% | 640 credit score | 6.077% | 6.849% | 0 pts ($0) | $2,012/mo | $70,789 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.045% | 7.292% | 0 pts ($0) | $2,077/mo | $75,398 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,046/mo | $40,067 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.697% | 0 pts ($0) | $1,736/mo | $55,353 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,763/mo | $55,096 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,902/mo | $58,319 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.317% | 7.093% | 0 pts ($0) | $1,992/mo | $70,630 |
Second Home 10% Down | 10% | 720 credit score | 5.961% | 6.535% | 0 pts ($0) | $1,758/mo | $59,175 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,721/mo | $53,195 |
VA 0% Down | 0% | 700 credit score | 6.079% | 6.325% | 0 pts ($0) | $2,020/mo | $66,860 |
VA Cash-Out Refi | 0% | 640 credit score | 6.083% | 6.454% | 0 pts ($0) | $2,021/mo | $66,901 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.090% | 6.244% | 0 pts ($0) | $2,023/mo | $66,971 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,800/mo | $56,943 |
Frequently Asked Questions
What are today's mortgage rates in 19043, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 19043, , PA is 6.953% (with an estimated monthly payment of $1,802). Active program rates also include FHA 30-year fixed loans at 5.955% and VA 0%-down fixed loans at 6.079%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 19043, , 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 19043, , PA have fluctuated between a low of 6.611% and a high of 7.067%. 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 19043, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $327,101 in 19043, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $65,420 but keeps your monthly payment lower at $1,802/mo (at 6.953% interest) with no monthly PMI. In comparison, an FHA loan requires only $11,449 (3.5% down) but has an estimated payment of $1,993/mo (at 5.955% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $315,652 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 19043 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 19043 is $806,501. With a typical local home value of $327,101 in , a standard 20%-down mortgage requires a loan size of $261,681. 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 19043, , PA impact estimated mortgage payments?
The median home value in 19043, , PA is estimated at $327,101. Buying a typical home here with a standard 20% down payment ($65,420) translates to an estimated starting monthly mortgage payment of $1,802 (principal and interest). Compared to the local area median household income of $90,280 ($7,523/mo), this basic housing payment represents approximately 24.0% 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.