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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 | 7.018%APR 7.058% | 0 pts$0 | $1,015/moP&I $1,015 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.078%APR 6.852% | 0 pts$0 | $1,008/moP&I $937 · MI $71 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.277%APR 6.336% | 0 pts$0 | $941/moP&I $941 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.054%APR 7.095% | 0 pts$0 | $1,019/moP&I $1,019 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.732% | 0 pts$0 | $1,078/moP&I $1,078 · 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 | 6.277% | 6.336% | 0 pts ($0) | $1,308/mo | $26,896 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.228% | 6.287% | 0 pts ($0) | $1,630/mo | $37,062 |
Condo 10% Down | 10% | 720 credit score | 7.244% | 7.419% | 0 pts ($0) | $1,168/mo | $41,068 |
Conventional 10% Down | 10% | 720 credit score | 6.831% | 6.995% | 0 pts ($0) | $1,121/mo | $38,934 |
Conventional 20% Down | 20% | 740 credit score | 7.018% | 7.058% | 0 pts ($0) | $1,015/mo | $31,582 |
Conventional 5% Down | 5% | 700 credit score | 7.200% | 7.690% | 0 pts ($0) | $1,228/mo | $43,110 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.468% | 7.512% | 0 pts ($0) | $1,327/mo | $45,776 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,127/mo | $38,180 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.849% | 7.229% | 0 pts ($0) | $1,210/mo | $43,725 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.054% | 7.095% | 0 pts ($0) | $1,274/mo | $43,398 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,571/mo | $37,464 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.078% | 6.852% | 0 pts ($0) | $1,130/mo | $39,773 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,154/mo | $40,388 |
FHA Streamline Refi | 0% | 640 credit score | 6.273% | 7.050% | 0 pts ($0) | $1,196/mo | $42,351 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.122% | 7.373% | 0 pts ($0) | $1,218/mo | $44,312 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,191/mo | $23,325 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.732% | 0 pts ($0) | $1,011/mo | $32,224 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,026/mo | $32,074 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,107/mo | $33,950 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.441% | 7.221% | 0 pts ($0) | $1,175/mo | $41,814 |
Second Home 10% Down | 10% | 720 credit score | 6.079% | 6.658% | 0 pts ($0) | $1,036/mo | $35,056 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,002/mo | $30,967 |
VA 0% Down | 0% | 700 credit score | 6.085% | 6.333% | 0 pts ($0) | $1,177/mo | $38,957 |
VA Cash-Out Refi | 0% | 640 credit score | 6.086% | 6.459% | 0 pts ($0) | $1,177/mo | $38,963 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.104% | 6.260% | 0 pts ($0) | $1,179/mo | $39,068 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,048/mo | $33,149 |
Frequently Asked Questions
What are today's mortgage rates in 30805, Augusta-Richmond County Consolidated Government (Balance), GA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 30805, Augusta-Richmond County Consolidated Government (Balance), GA is 7.018% (with an estimated monthly payment of $1,473). Active program rates also include FHA 30-year fixed loans at 6.078% and VA 0%-down fixed loans at 6.085%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 30805, Augusta-Richmond County Consolidated Government (Balance), GA?
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 30805, Augusta-Richmond County Consolidated Government (Balance), GA have fluctuated between a low of 6.911% and a high of 7.167%. 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 30805, Augusta-Richmond County Consolidated Government (Balance), GA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $190,419 in 30805, Augusta-Richmond County Consolidated Government (Balance), GA, a standard 20%-down Conventional loan requires an upfront cash down payment of $38,084 but keeps your monthly payment lower at $1,473/mo (at 7.018% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,665 (3.5% down) but has an estimated payment of $1,640/mo (at 6.078% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $183,754 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 30805 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 30805 is $806,501. With a typical local home value of $190,419 in Augusta-Richmond County Consolidated Government (Balance), a standard 20%-down mortgage requires a loan size of $152,335. 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 30805, Augusta-Richmond County Consolidated Government (Balance), GA impact estimated mortgage payments?
The median home value in 30805, Augusta-Richmond County Consolidated Government (Balance), GA is estimated at $190,419. Buying a typical home here with a standard 20% down payment ($38,084) translates to an estimated starting monthly mortgage payment of $1,473 (principal and interest). Compared to the local area median household income of $66,228 ($5,519/mo), this basic housing payment represents approximately 26.7% 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.