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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 | 6.875%APR 6.910% | 0 pts$0 | $2,676/moP&I $2,676 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.014%APR 6.783% | 0 pts$0 | $2,678/moP&I $2,488 · MI $190 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.960%APR 6.010% | 0 pts$0 | $2,431/moP&I $2,431 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.913%APR 6.949% | 0 pts$0 | $2,686/moP&I $2,686 · MI $0 | See details |
| Investment Property FixedConforming | 7.593%APR 7.634% | 0 pts$0 | $2,874/moP&I $2,874 · 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 | 5.960% | 6.010% | 0 pts ($0) | $3,428/mo | $68,169 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.924% | 5.974% | 0 pts ($0) | $4,275/mo | $94,609 |
Condo 10% Down | 10% | 720 credit score | 7.112% | 7.279% | 0 pts ($0) | $3,083/mo | $107,978 |
Conventional 10% Down | 10% | 720 credit score | 6.573% | 6.728% | 0 pts ($0) | $2,918/mo | $100,537 |
Conventional 20% Down | 20% | 740 credit score | 6.875% | 6.910% | 0 pts ($0) | $2,676/mo | $82,685 |
Conventional 5% Down | 5% | 700 credit score | 6.994% | 7.471% | 0 pts ($0) | $3,216/mo | $112,257 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.320% | 7.358% | 0 pts ($0) | $3,497/mo | $120,115 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,013/mo | $102,080 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.785% | 7.160% | 0 pts ($0) | $3,215/mo | $115,954 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.913% | 6.949% | 0 pts ($0) | $3,357/mo | $113,867 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,201/mo | $100,167 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.014% | 6.783% | 0 pts ($0) | $3,002/mo | $105,377 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,085/mo | $107,985 |
FHA Streamline Refi | 0% | 640 credit score | 6.179% | 6.951% | 0 pts ($0) | $3,166/mo | $111,769 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.968% | 7.211% | 0 pts ($0) | $3,207/mo | $116,231 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,185/mo | $62,362 |
Investment Property 25% Down | 25% | 740 credit score | 7.593% | 7.634% | 0 pts ($0) | $2,694/mo | $85,786 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,744/mo | $85,755 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,960/mo | $90,771 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.385% | 7.161% | 0 pts ($0) | $3,122/mo | $110,954 |
Second Home 10% Down | 10% | 720 credit score | 6.037% | 6.611% | 0 pts ($0) | $2,758/mo | $93,149 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,678/mo | $82,796 |
VA 0% Down | 0% | 700 credit score | 6.008% | 6.251% | 0 pts ($0) | $3,121/mo | $102,955 |
VA Cash-Out Refi | 0% | 640 credit score | 6.019% | 6.386% | 0 pts ($0) | $3,124/mo | $103,127 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.042% | 6.194% | 0 pts ($0) | $3,132/mo | $103,487 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,802/mo | $88,629 |
Frequently Asked Questions
What are today's mortgage rates in 19435, , PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 19435, , PA is 6.875% (with an estimated monthly payment of $2,483). Active program rates also include FHA 30-year fixed loans at 6.014% and VA 0%-down fixed loans at 6.008%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 19435, , 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 19435, , PA have fluctuated between a low of 6.497% and a high of 6.957%. 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 19435, , PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $509,117 in 19435, , PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $101,823 but keeps your monthly payment lower at $2,483/mo (at 6.875% interest) with no monthly PMI. In comparison, an FHA loan requires only $17,819 (3.5% down) but has an estimated payment of $2,785/mo (at 6.014% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $491,298 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 19435 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 19435 is $806,501. With a typical local home value of $509,117 in , a standard 20%-down mortgage requires a loan size of $407,294. 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 19435, , PA impact estimated mortgage payments?
The median home value in 19435, , PA is estimated at $509,117. Buying a typical home here with a standard 20% down payment ($101,823) translates to an estimated starting monthly mortgage payment of $2,483 (principal and interest). Compared to the local area median household income of $129,052 ($10,754/mo), this basic housing payment represents approximately 23.1% 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.