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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 | 6.850%APR 6.885% | 0 pts$0 | $2,835/moP&I $2,835 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.980%APR 6.748% | 0 pts$0 | $2,836/moP&I $2,634 · MI $202 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.911%APR 5.959% | 0 pts$0 | $2,570/moP&I $2,570 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.885%APR 6.920% | 0 pts$0 | $2,846/moP&I $2,846 · MI $0 | See details |
| Investment Property FixedConforming | 7.548%APR 7.587% | 0 pts$0 | $3,040/moP&I $3,040 · 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 | 5.911% | 5.959% | 0 pts ($0) | $3,631/mo | $71,811 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.872% | 5.920% | 0 pts ($0) | $4,527/mo | $99,701 |
Condo 10% Down | 10% | 720 credit score | 6.913% | 7.075% | 0 pts ($0) | $3,210/mo | $111,798 |
Conventional 10% Down | 10% | 720 credit score | 6.540% | 6.693% | 0 pts ($0) | $3,090/mo | $106,329 |
Conventional 20% Down | 20% | 740 credit score | 6.850% | 6.885% | 0 pts ($0) | $2,835/mo | $87,521 |
Conventional 5% Down | 5% | 700 credit score | 6.846% | 7.316% | 0 pts ($0) | $3,366/mo | $116,972 |
Conventional Cash-Out Refi | 0% | 740 credit score | 6.889% | 6.924% | 0 pts ($0) | $3,558/mo | $120,584 |
Conventional High Balance | 10% | 740 credit score | 6.999% | 7.032% | 0 pts ($0) | $3,238/mo | $110,139 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.753% | 7.127% | 0 pts ($0) | $3,404/mo | $122,686 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.885% | 6.920% | 0 pts ($0) | $3,557/mo | $120,519 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,463/mo | $106,419 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.980% | 6.748% | 0 pts ($0) | $3,177/mo | $111,413 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,277/mo | $114,726 |
FHA Streamline Refi | 0% | 640 credit score | 6.111% | 6.881% | 0 pts ($0) | $3,339/mo | $117,620 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.846% | 7.085% | 0 pts ($0) | $3,366/mo | $121,597 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,384/mo | $66,255 |
Investment Property 25% Down | 25% | 740 credit score | 7.548% | 7.587% | 0 pts ($0) | $2,850/mo | $90,590 |
Jumbo Conforming | 20% | 760 credit score | 7.000% | 7.032% | 0 pts ($0) | $2,879/mo | $89,477 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,145/mo | $96,437 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.350% | 7.124% | 0 pts ($0) | $3,305/mo | $117,321 |
Second Home 10% Down | 10% | 720 credit score | 6.857% | 7.017% | 0 pts ($0) | $3,192/mo | $110,977 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,845/mo | $87,964 |
VA 0% Down | 0% | 700 credit score | 5.977% | 6.219% | 0 pts ($0) | $3,305/mo | $108,867 |
VA Cash-Out Refi | 0% | 640 credit score | 5.985% | 6.351% | 0 pts ($0) | $3,307/mo | $109,000 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.999% | 6.149% | 0 pts ($0) | $3,312/mo | $109,232 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,976/mo | $94,161 |
Frequently Asked Questions
What are today's mortgage rates in 22724, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 22724, , VA is 6.850% (with an estimated monthly payment of $2,868). Active program rates also include FHA 30-year fixed loans at 5.980% and VA 0%-down fixed loans at 5.977%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 22724, , 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 22724, , VA have fluctuated between a low of 6.404% and a high of 6.862%. 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 22724, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $540,897 in 22724, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $108,179 but keeps your monthly payment lower at $2,868/mo (at 6.850% interest) with no monthly PMI. In comparison, an FHA loan requires only $18,931 (3.5% down) but has an estimated payment of $3,213/mo (at 5.980% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $521,966 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 22724 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 22724 is $806,501. With a typical local home value of $540,897 in , a standard 20%-down mortgage requires a loan size of $432,718. 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 22724, , VA impact estimated mortgage payments?
The median home value in 22724, , VA is estimated at $540,897. Buying a typical home here with a standard 20% down payment ($108,179) translates to an estimated starting monthly mortgage payment of $2,868 (principal and interest). Compared to the local area median household income of $122,982 ($10,249/mo), this basic housing payment represents approximately 28.0% 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.