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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 | 6.893%APR 6.929% | 0 pts$0 | $2,329/moP&I $2,329 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.038%APR 6.808% | 0 pts$0 | $2,333/moP&I $2,168 · MI $165 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.986%APR 6.037% | 0 pts$0 | $2,119/moP&I $2,119 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.851%APR 6.887% | 0 pts$0 | $2,319/moP&I $2,319 · MI $0 | See details |
| Investment Property FixedConforming | 7.618%APR 7.659% | 0 pts$0 | $2,503/moP&I $2,503 · 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 | 5.986% | 6.037% | 0 pts ($0) | $2,984/mo | $59,498 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.962% | 6.013% | 0 pts ($0) | $3,724/mo | $82,691 |
Condo 10% Down | 10% | 720 credit score | 7.140% | 7.308% | 0 pts ($0) | $2,686/mo | $94,158 |
Conventional 10% Down | 10% | 720 credit score | 6.591% | 6.747% | 0 pts ($0) | $2,540/mo | $87,572 |
Conventional 20% Down | 20% | 740 credit score | 6.893% | 6.929% | 0 pts ($0) | $2,329/mo | $72,037 |
Conventional 5% Down | 5% | 700 credit score | 7.006% | 7.484% | 0 pts ($0) | $2,798/mo | $97,691 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.335% | 7.374% | 0 pts ($0) | $3,043/mo | $104,568 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,618/mo | $88,697 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.802% | 7.177% | 0 pts ($0) | $2,798/mo | $100,972 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.851% | 6.887% | 0 pts ($0) | $2,899/mo | $98,112 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,650/mo | $87,034 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.038% | 6.808% | 0 pts ($0) | $2,615/mo | $91,875 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,680/mo | $93,828 |
FHA Streamline Refi | 0% | 640 credit score | 6.227% | 7.000% | 0 pts ($0) | $2,765/mo | $97,765 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.980% | 7.224% | 0 pts ($0) | $2,790/mo | $101,144 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,768/mo | $54,186 |
Investment Property 25% Down | 25% | 740 credit score | 7.618% | 7.659% | 0 pts ($0) | $2,347/mo | $74,790 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,384/mo | $74,512 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,572/mo | $78,870 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.406% | 7.182% | 0 pts ($0) | $2,719/mo | $96,682 |
Second Home 10% Down | 10% | 720 credit score | 5.942% | 6.514% | 0 pts ($0) | $2,372/mo | $79,800 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,327/mo | $71,941 |
VA 0% Down | 0% | 700 credit score | 6.031% | 6.275% | 0 pts ($0) | $2,718/mo | $89,770 |
VA Cash-Out Refi | 0% | 640 credit score | 6.043% | 6.411% | 0 pts ($0) | $2,722/mo | $89,933 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.065% | 6.217% | 0 pts ($0) | $2,728/mo | $90,231 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,434/mo | $77,009 |
Frequently Asked Questions
What are today's mortgage rates in 23141, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 23141, , VA is 6.893% (with an estimated monthly payment of $2,314). Active program rates also include FHA 30-year fixed loans at 6.038% and VA 0%-down fixed loans at 6.031%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 23141, , 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 23141, , VA have fluctuated between a low of 6.512% and a high of 6.972%. 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 23141, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $442,369 in 23141, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $88,474 but keeps your monthly payment lower at $2,314/mo (at 6.893% interest) with no monthly PMI. In comparison, an FHA loan requires only $15,483 (3.5% down) but has an estimated payment of $2,598/mo (at 6.038% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $426,886 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 23141 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 23141 is $806,501. With a typical local home value of $442,369 in , a standard 20%-down mortgage requires a loan size of $353,895. 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 23141, , VA impact estimated mortgage payments?
The median home value in 23141, , VA is estimated at $442,369. Buying a typical home here with a standard 20% down payment ($88,474) translates to an estimated starting monthly mortgage payment of $2,314 (principal and interest). Compared to the local area median household income of $121,610 ($10,134/mo), this basic housing payment represents approximately 22.8% 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.