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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 | 6.916%APR 6.953% | 0 pts$0 | $1,663/moP&I $1,663 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.945%APR 6.714% | 0 pts$0 | $1,646/moP&I $1,529 · MI $118 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.025%APR 6.077% | 0 pts$0 | $1,515/moP&I $1,515 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.764%APR 6.802% | 0 pts$0 | $1,637/moP&I $1,637 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.676% | 0 pts$0 | $1,784/moP&I $1,784 · 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 | 6.025% | 6.077% | 0 pts ($0) | $2,131/mo | $42,668 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.096% | 6.153% | 0 pts ($0) | $2,676/mo | $60,127 |
Condo 10% Down | 10% | 720 credit score | 7.213% | 7.383% | 0 pts ($0) | $1,928/mo | $67,697 |
Conventional 10% Down | 10% | 720 credit score | 6.620% | 6.776% | 0 pts ($0) | $1,815/mo | $62,629 |
Conventional 20% Down | 20% | 740 credit score | 6.916% | 6.953% | 0 pts ($0) | $1,663/mo | $51,489 |
Conventional 5% Down | 5% | 700 credit score | 7.037% | 7.516% | 0 pts ($0) | $1,999/mo | $69,869 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.359% | 7.399% | 0 pts ($0) | $2,173/mo | $74,716 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,865/mo | $63,182 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.821% | 7.197% | 0 pts ($0) | $1,997/mo | $72,101 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.764% | 6.802% | 0 pts ($0) | $2,047/mo | $69,063 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,600/mo | $61,998 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.945% | 6.714% | 0 pts ($0) | $1,844/mo | $64,582 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,909/mo | $66,837 |
FHA Streamline Refi | 0% | 640 credit score | 6.062% | 6.833% | 0 pts ($0) | $1,935/mo | $68,051 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.999% | 7.244% | 0 pts ($0) | $1,991/mo | $72,221 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,971/mo | $38,599 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.676% | 0 pts ($0) | $1,673/mo | $53,326 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,698/mo | $53,078 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,832/mo | $56,183 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.303% | 7.078% | 0 pts ($0) | $1,916/mo | $67,912 |
Second Home 10% Down | 10% | 720 credit score | 5.949% | 6.522% | 0 pts ($0) | $1,691/mo | $56,905 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,658/mo | $51,246 |
VA 0% Down | 0% | 700 credit score | 6.065% | 6.310% | 0 pts ($0) | $1,943/mo | $64,276 |
VA Cash-Out Refi | 0% | 640 credit score | 6.068% | 6.438% | 0 pts ($0) | $1,944/mo | $64,305 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.074% | 6.227% | 0 pts ($0) | $1,945/mo | $64,363 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,734/mo | $54,857 |
Frequently Asked Questions
What are today's mortgage rates in 22831, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 22831, , VA is 6.916% (with an estimated monthly payment of $2,090). Active program rates also include FHA 30-year fixed loans at 5.945% and VA 0%-down fixed loans at 6.065%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 22831, , 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 22831, , VA have fluctuated between a low of 6.550% and a high of 6.995%. 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 22831, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $315,118 in 22831, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $63,024 but keeps your monthly payment lower at $2,090/mo (at 6.916% interest) with no monthly PMI. In comparison, an FHA loan requires only $11,029 (3.5% down) but has an estimated payment of $2,318/mo (at 5.945% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $304,089 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 22831 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 22831 is $806,501. With a typical local home value of $315,118 in , a standard 20%-down mortgage requires a loan size of $252,094. 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 22831, , VA impact estimated mortgage payments?
The median home value in 22831, , VA is estimated at $315,118. Buying a typical home here with a standard 20% down payment ($63,024) translates to an estimated starting monthly mortgage payment of $2,090 (principal and interest). Compared to the local area median household income of $81,990 ($6,833/mo), this basic housing payment represents approximately 30.6% 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.