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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 | 6.935%APR 6.973% | 0 pts$0 | $2,285/moP&I $2,285 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.950%APR 6.720% | 0 pts$0 | $2,259/moP&I $2,098 · MI $161 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.064%APR 6.117% | 0 pts$0 | $2,087/moP&I $2,087 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.928%APR 7.075% | 0 pts$0 | $2,283/moP&I $2,283 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.687% | 0 pts$0 | $2,447/moP&I $2,447 · 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 | 6.064% | 6.117% | 0 pts ($0) | $2,929/mo | $58,901 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.078% | 6.168% | 0 pts ($0) | $3,665/mo | $82,228 |
Condo 10% Down | 10% | 720 credit score | 6.945% | 7.110% | 0 pts ($0) | $2,573/mo | $89,691 |
Conventional 10% Down | 10% | 720 credit score | 6.761% | 6.921% | 0 pts ($0) | $2,525/mo | $87,535 |
Conventional 20% Down | 20% | 740 credit score | 6.935% | 6.973% | 0 pts ($0) | $2,285/mo | $70,806 |
Conventional 5% Down | 5% | 700 credit score | 6.922% | 7.397% | 0 pts ($0) | $2,710/mo | $94,389 |
Conventional Cash-Out Refi | 0% | 740 credit score | 6.935% | 6.973% | 0 pts ($0) | $2,856/mo | $96,934 |
Conventional High Balance | 10% | 740 credit score | 6.999% | 7.032% | 0 pts ($0) | $2,587/mo | $87,991 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.827% | 7.205% | 0 pts ($0) | $2,740/mo | $98,949 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.928% | 7.075% | 0 pts ($0) | $2,854/mo | $96,843 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,566/mo | $85,019 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.950% | 6.720% | 0 pts ($0) | $2,530/mo | $88,625 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,618/mo | $91,655 |
FHA Streamline Refi | 0% | 640 credit score | 6.070% | 6.842% | 0 pts ($0) | $2,656/mo | $93,425 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.922% | 7.165% | 0 pts ($0) | $2,710/mo | $98,084 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,703/mo | $52,931 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.687% | 0 pts ($0) | $2,294/mo | $73,126 |
Jumbo Conforming | 20% | 760 credit score | 7.000% | 7.032% | 0 pts ($0) | $2,300/mo | $71,483 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,513/mo | $77,044 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.310% | 7.086% | 0 pts ($0) | $2,629/mo | $93,217 |
Second Home 10% Down | 10% | 720 credit score | 6.926% | 7.090% | 0 pts ($0) | $2,568/mo | $89,468 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,273/mo | $70,275 |
VA 0% Down | 0% | 700 credit score | 6.072% | 6.317% | 0 pts ($0) | $2,667/mo | $88,234 |
VA Cash-Out Refi | 0% | 640 credit score | 6.075% | 6.445% | 0 pts ($0) | $2,668/mo | $88,274 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.082% | 6.236% | 0 pts ($0) | $2,670/mo | $88,367 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,378/mo | $75,226 |
Frequently Asked Questions
What are today's mortgage rates in 22534, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 22534, , VA is 6.935% (with an estimated monthly payment of $1,932). Active program rates also include FHA 30-year fixed loans at 5.950% and VA 0%-down fixed loans at 6.072%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 22534, , VA?
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 22534, , VA have fluctuated between a low of 6.451% and a high of 6.935%. 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 22534, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $432,124 in 22534, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $86,425 but keeps your monthly payment lower at $1,932/mo (at 6.935% interest) with no monthly PMI. In comparison, an FHA loan requires only $15,124 (3.5% down) but has an estimated payment of $2,140/mo (at 5.950% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $417,000 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 22534 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 22534 is $806,501. With a typical local home value of $432,124 in , a standard 20%-down mortgage requires a loan size of $345,699. 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 22534, , VA impact estimated mortgage payments?
The median home value in 22534, , VA is estimated at $432,124. Buying a typical home here with a standard 20% down payment ($86,425) translates to an estimated starting monthly mortgage payment of $1,932 (principal and interest). Compared to the local area median household income of $118,014 ($9,835/mo), this basic housing payment represents approximately 19.6% 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.