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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 | 6.836%APR 6.870% | 0 pts$0 | $3,448/moP&I $3,448 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.975%APR 6.743% | 0 pts$0 | $3,452/moP&I $3,206 · MI $246 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.885%APR 5.932% | 0 pts$0 | $3,121/moP&I $3,121 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.524%APR 6.558% | 0 pts$0 | $3,339/moP&I $3,339 · MI $0 | See details |
| Investment Property FixedConforming | 7.525%APR 7.564% | 0 pts$0 | $3,694/moP&I $3,694 · 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 | 5.885% | 5.932% | 0 pts ($0) | $4,415/mo | $87,065 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.931% | 5.981% | 0 pts ($0) | $5,535/mo | $122,554 |
Condo 10% Down | 10% | 720 credit score | 7.041% | 7.205% | 0 pts ($0) | $3,961/mo | $138,452 |
Conventional 10% Down | 10% | 720 credit score | 6.523% | 6.675% | 0 pts ($0) | $3,757/mo | $129,199 |
Conventional 20% Down | 20% | 740 credit score | 6.836% | 6.870% | 0 pts ($0) | $3,448/mo | $106,373 |
Conventional 5% Down | 5% | 700 credit score | 6.961% | 7.437% | 0 pts ($0) | $4,147/mo | $144,634 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.278% | 7.315% | 0 pts ($0) | $4,507/mo | $154,591 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,899/mo | $132,089 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.725% | 7.096% | 0 pts ($0) | $4,134/mo | $148,886 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.524% | 6.558% | 0 pts ($0) | $4,174/mo | $139,622 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,436/mo | $129,613 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.975% | 6.743% | 0 pts ($0) | $3,868/mo | $135,597 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,991/mo | $139,730 |
FHA Streamline Refi | 0% | 640 credit score | 6.104% | 6.874% | 0 pts ($0) | $4,064/mo | $143,114 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.935% | 7.176% | 0 pts ($0) | $4,136/mo | $149,777 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,121/mo | $80,695 |
Investment Property 25% Down | 25% | 740 credit score | 7.525% | 7.564% | 0 pts ($0) | $3,463/mo | $109,991 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $3,551/mo | $110,964 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,831/mo | $117,455 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.344% | 7.118% | 0 pts ($0) | $4,022/mo | $142,774 |
Second Home 10% Down | 10% | 720 credit score | 5.977% | 6.549% | 0 pts ($0) | $3,546/mo | $119,463 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,465/mo | $107,135 |
VA 0% Down | 0% | 700 credit score | 5.961% | 6.202% | 0 pts ($0) | $4,018/mo | $132,271 |
VA Cash-Out Refi | 0% | 640 credit score | 5.968% | 6.333% | 0 pts ($0) | $4,021/mo | $132,412 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.981% | 6.131% | 0 pts ($0) | $4,026/mo | $132,675 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,625/mo | $114,683 |
Frequently Asked Questions
What are today's mortgage rates in 29685, , SC across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 29685, , SC is 6.836% (with an estimated monthly payment of $3,121). Active program rates also include FHA 30-year fixed loans at 5.975% and VA 0%-down fixed loans at 5.961%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 29685, , 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 29685, , SC have fluctuated between a low of 6.457% and a high of 6.917%. 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 29685, , SC?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $658,783 in 29685, , SC, a standard 20%-down Conventional loan requires an upfront cash down payment of $131,757 but keeps your monthly payment lower at $3,121/mo (at 6.836% interest) with no monthly PMI. In comparison, an FHA loan requires only $23,057 (3.5% down) but has an estimated payment of $3,293/mo (at 5.975% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $635,726 falls comfortably within the local HUD FHA loan limit of $757,600 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 29685 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 29685 is $806,501. With a typical local home value of $658,783 in , a standard 20%-down mortgage requires a loan size of $527,026. 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 29685, , SC impact estimated mortgage payments?
The median home value in 29685, , SC is estimated at $658,783. Buying a typical home here with a standard 20% down payment ($131,757) translates to an estimated starting monthly mortgage payment of $3,121 (principal and interest). Compared to the local area median household income of $97,461 ($8,122/mo), this basic housing payment represents approximately 38.4% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.