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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 | 7.019%APR 7.059% | 0 pts$0 | $1,275/moP&I $1,275 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.078%APR 6.852% | 0 pts$0 | $1,266/moP&I $1,177 · MI $89 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.278%APR 6.337% | 0 pts$0 | $1,181/moP&I $1,181 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.045%APR 7.086% | 0 pts$0 | $1,278/moP&I $1,278 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.732% | 0 pts$0 | $1,354/moP&I $1,354 · 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 | 6.278% | 6.337% | 0 pts ($0) | $1,643/mo | $33,778 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.197% | 6.256% | 0 pts ($0) | $2,043/mo | $46,323 |
Condo 10% Down | 10% | 720 credit score | 7.246% | 7.421% | 0 pts ($0) | $1,467/mo | $51,581 |
Conventional 10% Down | 10% | 720 credit score | 6.831% | 6.995% | 0 pts ($0) | $1,407/mo | $48,889 |
Conventional 20% Down | 20% | 740 credit score | 7.019% | 7.059% | 0 pts ($0) | $1,275/mo | $39,663 |
Conventional 5% Down | 5% | 700 credit score | 7.202% | 7.692% | 0 pts ($0) | $1,542/mo | $54,145 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.469% | 7.513% | 0 pts ($0) | $1,667/mo | $57,486 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,415/mo | $47,941 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.849% | 7.229% | 0 pts ($0) | $1,520/mo | $54,904 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.045% | 7.086% | 0 pts ($0) | $1,598/mo | $54,428 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,973/mo | $47,042 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.078% | 6.852% | 0 pts ($0) | $1,419/mo | $49,941 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,449/mo | $50,714 |
FHA Streamline Refi | 0% | 640 credit score | 6.273% | 7.050% | 0 pts ($0) | $1,502/mo | $53,179 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.124% | 7.375% | 0 pts ($0) | $1,530/mo | $55,655 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,496/mo | $29,288 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.732% | 0 pts ($0) | $1,269/mo | $40,462 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,289/mo | $40,274 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,390/mo | $42,630 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.442% | 7.222% | 0 pts ($0) | $1,475/mo | $52,512 |
Second Home 10% Down | 10% | 720 credit score | 6.079% | 6.658% | 0 pts ($0) | $1,301/mo | $44,018 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,258/mo | $38,884 |
VA 0% Down | 0% | 700 credit score | 6.085% | 6.333% | 0 pts ($0) | $1,478/mo | $48,917 |
VA Cash-Out Refi | 0% | 640 credit score | 6.087% | 6.460% | 0 pts ($0) | $1,478/mo | $48,932 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.105% | 6.261% | 0 pts ($0) | $1,481/mo | $49,064 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,316/mo | $41,624 |
Frequently Asked Questions
What are today's mortgage rates in 30904, Augusta-Richmond County Consolidated Government (Balance), GA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 30904, Augusta-Richmond County Consolidated Government (Balance), GA is 7.019% (with an estimated monthly payment of $1,470). 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 30904, 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 30904, Augusta-Richmond County Consolidated Government (Balance), GA have fluctuated between a low of 6.912% and a high of 7.168%. 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 30904, 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 $239,103 in 30904, Augusta-Richmond County Consolidated Government (Balance), GA, a standard 20%-down Conventional loan requires an upfront cash down payment of $47,821 but keeps your monthly payment lower at $1,470/mo (at 7.019% interest) with no monthly PMI. In comparison, an FHA loan requires only $8,369 (3.5% down) but has an estimated payment of $1,636/mo (at 6.078% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $230,734 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 30904 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 30904 is $806,501. With a typical local home value of $239,103 in Augusta-Richmond County Consolidated Government (Balance), a standard 20%-down mortgage requires a loan size of $191,282. 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 30904, Augusta-Richmond County Consolidated Government (Balance), GA impact estimated mortgage payments?
The median home value in 30904, Augusta-Richmond County Consolidated Government (Balance), GA is estimated at $239,103. Buying a typical home here with a standard 20% down payment ($47,821) translates to an estimated starting monthly mortgage payment of $1,470 (principal and interest). Compared to the local area median household income of $55,254 ($4,605/mo), this basic housing payment represents approximately 31.9% 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.