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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 | 6.998%APR 7.038% | 0 pts$0 | $2,087/moP&I $2,087 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.076%APR 6.850% | 0 pts$0 | $2,076/moP&I $1,929 · MI $146 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.261%APR 6.319% | 0 pts$0 | $1,934/moP&I $1,934 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.009%APR 7.049% | 0 pts$0 | $2,089/moP&I $2,089 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.724% | 0 pts$0 | $2,220/moP&I $2,220 · 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 | 6.261% | 6.319% | 0 pts ($0) | $2,692/mo | $55,239 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.107% | 6.164% | 0 pts ($0) | $3,332/mo | $74,944 |
Condo 10% Down | 10% | 720 credit score | 7.334% | 7.510% | 0 pts ($0) | $2,428/mo | $85,527 |
Conventional 10% Down | 10% | 720 credit score | 6.819% | 6.982% | 0 pts ($0) | $2,305/mo | $80,047 |
Conventional 20% Down | 20% | 740 credit score | 6.998% | 7.038% | 0 pts ($0) | $2,087/mo | $64,846 |
Conventional 5% Down | 5% | 700 credit score | 7.169% | 7.657% | 0 pts ($0) | $2,521/mo | $88,424 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.453% | 7.496% | 0 pts ($0) | $2,729/mo | $94,085 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,320/mo | $78,621 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.846% | 7.226% | 0 pts ($0) | $2,491/mo | $90,006 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.009% | 7.049% | 0 pts ($0) | $2,611/mo | $88,834 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,236/mo | $77,147 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.076% | 6.850% | 0 pts ($0) | $2,327/mo | $81,878 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,376/mo | $83,169 |
FHA Streamline Refi | 0% | 640 credit score | 6.271% | 7.048% | 0 pts ($0) | $2,462/mo | $87,187 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.111% | 7.360% | 0 pts ($0) | $2,506/mo | $91,125 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,453/mo | $48,030 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.724% | 0 pts ($0) | $2,082/mo | $66,356 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,113/mo | $66,047 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,280/mo | $69,911 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.440% | 7.220% | 0 pts ($0) | $2,418/mo | $86,093 |
Second Home 10% Down | 10% | 720 credit score | 6.082% | 6.661% | 0 pts ($0) | $2,134/mo | $72,220 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,063/mo | $63,768 |
VA 0% Down | 0% | 700 credit score | 6.080% | 6.327% | 0 pts ($0) | $2,422/mo | $80,162 |
VA Cash-Out Refi | 0% | 640 credit score | 6.085% | 6.457% | 0 pts ($0) | $2,423/mo | $80,222 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.090% | 6.245% | 0 pts ($0) | $2,425/mo | $80,282 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,158/mo | $68,261 |
Frequently Asked Questions
What are today's mortgage rates in 29175, , SC across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 29175, , SC is 6.998% (with an estimated monthly payment of $1,530). Active program rates also include FHA 30-year fixed loans at 6.076% and VA 0%-down fixed loans at 6.080%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 29175, , SC?
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 29175, , SC have fluctuated between a low of 6.897% and a high of 7.150%. 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 29175, , SC?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $392,116 in 29175, , SC, a standard 20%-down Conventional loan requires an upfront cash down payment of $78,423 but keeps your monthly payment lower at $1,530/mo (at 6.998% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,724 (3.5% down) but has an estimated payment of $1,706/mo (at 6.076% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $378,392 falls comfortably within the local HUD FHA loan limit of $541,287 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 29175 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 29175 is $806,501. With a typical local home value of $392,116 in , a standard 20%-down mortgage requires a loan size of $313,693. 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 29175, , SC impact estimated mortgage payments?
The median home value in 29175, , SC is estimated at $392,116. Buying a typical home here with a standard 20% down payment ($78,423) translates to an estimated starting monthly mortgage payment of $1,530 (principal and interest). Compared to the local area median household income of $77,206 ($6,434/mo), this basic housing payment represents approximately 23.8% 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.