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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 | 6.979%APR 7.018% | 0 pts$0 | $699/moP&I $699 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.067%APR 6.840% | 0 pts$0 | $696/moP&I $647 · MI $49 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.200%APR 6.257% | 0 pts$0 | $645/moP&I $645 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.989%APR 7.028% | 0 pts$0 | $700/moP&I $700 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.712% | 0 pts$0 | $746/moP&I $746 · 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 | 6.200% | 6.257% | 0 pts ($0) | $900/mo | $18,363 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.067% | 6.122% | 0 pts ($0) | $1,116/mo | $25,014 |
Condo 10% Down | 10% | 720 credit score | 7.307% | 7.481% | 0 pts ($0) | $813/mo | $28,623 |
Conventional 10% Down | 10% | 720 credit score | 6.800% | 6.962% | 0 pts ($0) | $773/mo | $26,812 |
Conventional 20% Down | 20% | 740 credit score | 6.979% | 7.018% | 0 pts ($0) | $699/mo | $21,715 |
Conventional 5% Down | 5% | 700 credit score | 7.122% | 7.608% | 0 pts ($0) | $842/mo | $29,515 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.426% | 7.468% | 0 pts ($0) | $914/mo | $31,486 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $779/mo | $26,401 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.839% | 7.218% | 0 pts ($0) | $836/mo | $30,197 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.989% | 7.028% | 0 pts ($0) | $875/mo | $29,751 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,087/mo | $25,906 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.067% | 6.840% | 0 pts ($0) | $781/mo | $27,459 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $798/mo | $27,928 |
FHA Streamline Refi | 0% | 640 credit score | 6.262% | 7.038% | 0 pts ($0) | $826/mo | $29,241 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.080% | 7.328% | 0 pts ($0) | $839/mo | $30,483 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $824/mo | $16,129 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.712% | 0 pts ($0) | $699/mo | $22,282 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $710/mo | $22,179 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $766/mo | $23,476 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.432% | 7.211% | 0 pts ($0) | $811/mo | $28,879 |
Second Home 10% Down | 10% | 720 credit score | 6.075% | 6.653% | 0 pts ($0) | $716/mo | $24,226 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $693/mo | $21,413 |
VA 0% Down | 0% | 700 credit score | 6.089% | 6.336% | 0 pts ($0) | $814/mo | $26,955 |
VA Cash-Out Refi | 0% | 640 credit score | 6.075% | 6.446% | 0 pts ($0) | $813/mo | $26,898 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.084% | 6.239% | 0 pts ($0) | $814/mo | $26,934 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $725/mo | $22,922 |
Frequently Asked Questions
What are today's mortgage rates in 30905, Augusta-Richmond County Consolidated Government (Balance), GA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 30905, Augusta-Richmond County Consolidated Government (Balance), GA is 6.979% (with an estimated monthly payment of $1,646). Active program rates also include FHA 30-year fixed loans at 6.067% and VA 0%-down fixed loans at 6.089%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 30905, 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 30905, Augusta-Richmond County Consolidated Government (Balance), GA have fluctuated between a low of 6.867% and a high of 7.124%. 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 30905, 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 $131,672 in 30905, Augusta-Richmond County Consolidated Government (Balance), GA, a standard 20%-down Conventional loan requires an upfront cash down payment of $26,334 but keeps your monthly payment lower at $1,646/mo (at 6.979% interest) with no monthly PMI. In comparison, an FHA loan requires only $4,609 (3.5% down) but has an estimated payment of $1,838/mo (at 6.067% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $127,063 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 30905 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 30905 is $806,501. With a typical local home value of $131,672 in Augusta-Richmond County Consolidated Government (Balance), a standard 20%-down mortgage requires a loan size of $105,338. 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 30905, Augusta-Richmond County Consolidated Government (Balance), GA impact estimated mortgage payments?
The median home value in 30905, Augusta-Richmond County Consolidated Government (Balance), GA is estimated at $131,672. Buying a typical home here with a standard 20% down payment ($26,334) translates to an estimated starting monthly mortgage payment of $1,646 (principal and interest). Compared to the local area median household income of $66,929 ($5,577/mo), this basic housing payment represents approximately 29.5% 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.