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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 | 6.825%APR 6.859% | 0 pts$0 | $3,405/moP&I $3,405 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.949%APR 6.716% | 0 pts$0 | $3,404/moP&I $3,161 · MI $243 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.871%APR 5.918% | 0 pts$0 | $3,080/moP&I $3,080 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.548%APR 6.580% | 0 pts$0 | $3,309/moP&I $3,309 · MI $0 | See details |
| Investment Property FixedConforming | 7.505%APR 7.543% | 0 pts$0 | $3,644/moP&I $3,644 · 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 | 5.871% | 5.918% | 0 pts ($0) | $4,360/mo | $85,849 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.871% | 5.919% | 0 pts ($0) | $5,450/mo | $120,009 |
Condo 10% Down | 10% | 720 credit score | 7.020% | 7.184% | 0 pts ($0) | $3,907/mo | $136,482 |
Conventional 10% Down | 10% | 720 credit score | 6.508% | 6.660% | 0 pts ($0) | $3,707/mo | $127,443 |
Conventional 20% Down | 20% | 740 credit score | 6.825% | 6.859% | 0 pts ($0) | $3,405/mo | $104,972 |
Conventional 5% Down | 5% | 700 credit score | 6.952% | 7.425% | 0 pts ($0) | $4,096/mo | $142,797 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.266% | 7.302% | 0 pts ($0) | $4,449/mo | $152,570 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,854/mo | $130,564 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.684% | 7.054% | 0 pts ($0) | $4,069/mo | $146,387 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.548% | 6.580% | 0 pts ($0) | $4,136/mo | $138,481 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,373/mo | $128,116 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.949% | 6.716% | 0 pts ($0) | $3,812/mo | $133,532 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,945/mo | $138,117 |
FHA Streamline Refi | 0% | 640 credit score | 6.068% | 6.837% | 0 pts ($0) | $4,001/mo | $140,745 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.925% | 7.166% | 0 pts ($0) | $4,085/mo | $147,861 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,074/mo | $79,763 |
Investment Property 25% Down | 25% | 740 credit score | 7.505% | 7.543% | 0 pts ($0) | $3,417/mo | $108,426 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $3,510/mo | $109,683 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,786/mo | $116,099 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.309% | 7.082% | 0 pts ($0) | $3,961/mo | $140,452 |
Second Home 10% Down | 10% | 720 credit score | 5.962% | 6.533% | 0 pts ($0) | $3,499/mo | $117,820 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,425/mo | $105,898 |
VA 0% Down | 0% | 700 credit score | 5.947% | 6.187% | 0 pts ($0) | $3,965/mo | $130,464 |
VA Cash-Out Refi | 0% | 640 credit score | 5.953% | 6.317% | 0 pts ($0) | $3,968/mo | $130,584 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.966% | 6.115% | 0 pts ($0) | $3,974/mo | $130,844 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,583/mo | $113,359 |
Frequently Asked Questions
What are today's mortgage rates in 23146, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 23146, , VA is 6.825% (with an estimated monthly payment of $3,374). Active program rates also include FHA 30-year fixed loans at 5.949% and VA 0%-down fixed loans at 5.947%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 23146, , 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 23146, , VA have fluctuated between a low of 6.445% and a high of 6.906%. 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 23146, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $651,177 in 23146, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $130,235 but keeps your monthly payment lower at $3,374/mo (at 6.825% interest) with no monthly PMI. In comparison, an FHA loan requires only $22,791 (3.5% down) but has an estimated payment of $3,778/mo (at 5.949% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $628,386 exceeds the local HUD FHA limit of $541,287 for a 1-unit property, meaning entry-level buyers here will likely require conventional financing or a larger down payment to comply with government limits.
What is the maximum conforming loan limit in 23146 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 23146 is $806,501. With a typical local home value of $651,177 in , a standard 20%-down mortgage requires a loan size of $520,942. 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 23146, , VA impact estimated mortgage payments?
The median home value in 23146, , VA is estimated at $651,177. Buying a typical home here with a standard 20% down payment ($130,235) translates to an estimated starting monthly mortgage payment of $3,374 (principal and interest). Compared to the local area median household income of $126,651 ($10,554/mo), this basic housing payment represents approximately 32.0% 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.