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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 | 7.388%APR 7.441% | 0 pts$0 | $589/moP&I $589 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.179%APR 6.963% | 0 pts$0 | $569/moP&I $529 · MI $40 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.852%APR 6.932% | 0 pts$0 | $558/moP&I $558 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.340%APR 7.393% | 0 pts$0 | $586/moP&I $586 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.873% | 0 pts$0 | $603/moP&I $603 · 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 | 6.852% | 6.932% | 0 pts ($0) | $758/mo | $16,454 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.554% | 6.632% | 0 pts ($0) | $930/mo | $21,719 |
Condo 10% Down | 10% | 720 credit score | 7.625% | 7.827% | 0 pts ($0) | $678/mo | $24,051 |
Conventional 10% Down | 10% | 720 credit score | 7.003% | 7.179% | 0 pts ($0) | $637/mo | $22,254 |
Conventional 20% Down | 20% | 740 credit score | 7.388% | 7.441% | 0 pts ($0) | $589/mo | $18,599 |
Conventional 5% Down | 5% | 700 credit score | 7.250% | 7.750% | 0 pts ($0) | $690/mo | $24,243 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.625% | 7.749% | 0 pts ($0) | $753/mo | $26,085 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $630/mo | $21,336 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.832% | 7.221% | 0 pts ($0) | $675/mo | $24,382 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.340% | 7.393% | 0 pts ($0) | $732/mo | $25,170 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $878/mo | $20,936 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.179% | 6.963% | 0 pts ($0) | $639/mo | $22,543 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $645/mo | $22,570 |
FHA Streamline Refi | 0% | 640 credit score | 6.348% | 7.135% | 0 pts ($0) | $674/mo | $23,911 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.185% | 7.445% | 0 pts ($0) | $685/mo | $24,955 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $666/mo | $13,034 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.873% | 0 pts ($0) | $565/mo | $18,007 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $574/mo | $17,924 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $619/mo | $18,972 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.506% | 7.296% | 0 pts ($0) | $661/mo | $23,571 |
Second Home 10% Down | 10% | 720 credit score | 6.288% | 6.882% | 0 pts ($0) | $592/mo | $20,192 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $560/mo | $17,305 |
VA 0% Down | 0% | 700 credit score | 6.252% | 6.511% | 0 pts ($0) | $669/mo | $22,316 |
VA Cash-Out Refi | 0% | 640 credit score | 6.263% | 6.650% | 0 pts ($0) | $670/mo | $22,352 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.371% | 6.540% | 0 pts ($0) | $678/mo | $22,705 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $586/mo | $18,524 |
Frequently Asked Questions
What are today's mortgage rates in 30916, Augusta-Richmond County Consolidated Government (Balance), GA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 30916, Augusta-Richmond County Consolidated Government (Balance), GA is 7.388% (with an estimated monthly payment of $761). Active program rates also include FHA 30-year fixed loans at 6.179% and VA 0%-down fixed loans at 6.252%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 30916, 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 30916, Augusta-Richmond County Consolidated Government (Balance), GA have fluctuated between a low of 7.295% and a high of 7.443%. 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 30916, 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 $106,411 in 30916, Augusta-Richmond County Consolidated Government (Balance), GA, a standard 20%-down Conventional loan requires an upfront cash down payment of $21,282 but keeps your monthly payment lower at $761/mo (at 7.388% interest) with no monthly PMI. In comparison, an FHA loan requires only $3,724 (3.5% down) but has an estimated payment of $826/mo (at 6.179% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $102,687 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 30916 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 30916 is $806,501. With a typical local home value of $106,411 in Augusta-Richmond County Consolidated Government (Balance), a standard 20%-down mortgage requires a loan size of $85,129. 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 30916, Augusta-Richmond County Consolidated Government (Balance), GA impact estimated mortgage payments?
The median home value in 30916, Augusta-Richmond County Consolidated Government (Balance), GA is estimated at $106,411. Buying a typical home here with a standard 20% down payment ($21,282) translates to an estimated starting monthly mortgage payment of $761 (principal and interest). Compared to the local area median household income of $36,845 ($3,070/mo), this basic housing payment represents approximately 24.8% 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.