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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 | 6.802%APR 6.835% | 0 pts$0 | $4,008/moP&I $4,008 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.937%APR 6.704% | 0 pts$0 | $4,011/moP&I $3,724 · MI $287 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.845%APR 5.890% | 0 pts$0 | $3,624/moP&I $3,624 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.769%APR 6.802% | 0 pts$0 | $3,995/moP&I $3,995 · MI $0 | See details |
| Investment Property FixedConforming | 7.478%APR 7.515% | 0 pts$0 | $4,289/moP&I $4,289 · 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 | 5.845% | 5.890% | 0 pts ($0) | $5,136/mo | $100,833 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.837% | 5.883% | 0 pts ($0) | $6,416/mo | $140,846 |
Condo 10% Down | 10% | 720 credit score | 6.990% | 7.152% | 0 pts ($0) | $4,596/mo | $160,414 |
Conventional 10% Down | 10% | 720 credit score | 6.491% | 6.642% | 0 pts ($0) | $4,367/mo | $150,019 |
Conventional 20% Down | 20% | 740 credit score | 6.802% | 6.835% | 0 pts ($0) | $4,008/mo | $123,433 |
Conventional 5% Down | 5% | 700 credit score | 6.932% | 7.404% | 0 pts ($0) | $4,823/mo | $168,049 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.238% | 7.274% | 0 pts ($0) | $5,235/mo | $179,373 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,547/mo | $154,055 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.602% | 6.969% | 0 pts ($0) | $4,761/mo | $170,886 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.769% | 6.802% | 0 pts ($0) | $4,993/mo | $168,510 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,340/mo | $151,168 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.937% | 6.704% | 0 pts ($0) | $4,493/mo | $157,286 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,655/mo | $162,967 |
FHA Streamline Refi | 0% | 640 credit score | 6.053% | 6.822% | 0 pts ($0) | $4,714/mo | $165,716 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.906% | 7.146% | 0 pts ($0) | $4,810/mo | $174,047 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,807/mo | $94,114 |
Investment Property 25% Down | 25% | 740 credit score | 7.478% | 7.515% | 0 pts ($0) | $4,021/mo | $127,465 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $4,141/mo | $129,417 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,468/mo | $136,988 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.294% | 7.066% | 0 pts ($0) | $4,667/mo | $165,383 |
Second Home 10% Down | 10% | 720 credit score | 7.471% | 7.642% | 0 pts ($0) | $4,821/mo | $170,446 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,042/mo | $124,952 |
VA 0% Down | 0% | 700 credit score | 5.919% | 6.158% | 0 pts ($0) | $4,665/mo | $153,277 |
VA Cash-Out Refi | 0% | 640 credit score | 5.924% | 6.287% | 0 pts ($0) | $4,667/mo | $153,395 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.934% | 6.082% | 0 pts ($0) | $4,672/mo | $153,631 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,228/mo | $133,755 |
Frequently Asked Questions
What are today's mortgage rates in 33194, , FL across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 33194, , FL is 6.802% (with an estimated monthly payment of $4,040). Active program rates also include FHA 30-year fixed loans at 5.937% and VA 0%-down fixed loans at 5.919%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 33194, , FL?
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 33194, , FL have fluctuated between a low of 6.422% and a high of 6.882%. 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 33194, , FL?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $768,340 in 33194, , FL, a standard 20%-down Conventional loan requires an upfront cash down payment of $153,668 but keeps your monthly payment lower at $4,040/mo (at 6.802% interest) with no monthly PMI. In comparison, an FHA loan requires only $26,892 (3.5% down) but has an estimated payment of $4,042/mo (at 5.937% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $741,448 falls comfortably within the local HUD FHA loan limit of $883,591 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 33194 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 33194 is $806,501. With a typical local home value of $768,340 in , a standard 20%-down mortgage requires a loan size of $614,672. 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 33194, , FL impact estimated mortgage payments?
The median home value in 33194, , FL is estimated at $768,340. Buying a typical home here with a standard 20% down payment ($153,668) translates to an estimated starting monthly mortgage payment of $4,040 (principal and interest). Compared to the local area median household income of $117,007 ($9,751/mo), this basic housing payment represents approximately 41.4% 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.