Select your Scenario
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.
See Safe Rate's top scoring lenders for Keaton
We rank active Keaton lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
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 | 7.498%APR 7.555% | 0 pts$0 | $523/moP&I $523 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.310%APR 7.099% | 0 pts$0 | $506/moP&I $471 · MI $35 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 7.101%APR 7.189% | 0 pts$0 | $503/moP&I $503 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.106%APR 7.505% | 0 pts$0 | $503/moP&I $503 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.934% | 0 pts$0 | $529/moP&I $529 · MI $0 | See details |
Personalize the rates on this page
Tell us your home budget and credit score to see exact payments and find your best-fit loan program instantly.
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 | 7.101% | 7.189% | 0 pts ($0) | $676/mo | $14,995 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.507% | 6.791% | 0 pts ($0) | $814/mo | $18,948 |
Condo 10% Down | 10% | 720 credit score | 7.625% | 7.890% | 0 pts ($0) | $595/mo | $21,124 |
Conventional 10% Down | 10% | 720 credit score | 7.139% | 7.321% | 0 pts ($0) | $567/mo | $19,890 |
Conventional 20% Down | 20% | 740 credit score | 7.498% | 7.555% | 0 pts ($0) | $523/mo | $16,583 |
Conventional 5% Down | 5% | 700 credit score | 7.274% | 7.777% | 0 pts ($0) | $607/mo | $21,357 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.625% | 7.799% | 0 pts ($0) | $661/mo | $22,910 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $553/mo | $18,739 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.854% | 7.246% | 0 pts ($0) | $594/mo | $21,474 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.106% | 7.505% | 0 pts ($0) | $628/mo | $21,446 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $771/mo | $18,388 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.310% | 7.099% | 0 pts ($0) | $569/mo | $20,161 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $566/mo | $19,823 |
FHA Streamline Refi | 0% | 640 credit score | 6.435% | 7.227% | 0 pts ($0) | $597/mo | $21,250 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.246% | 7.511% | 0 pts ($0) | $605/mo | $22,081 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $585/mo | $11,448 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.934% | 0 pts ($0) | $496/mo | $15,816 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $504/mo | $15,742 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $543/mo | $16,663 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.528% | 7.321% | 0 pts ($0) | $582/mo | $20,763 |
Second Home 10% Down | 10% | 720 credit score | 6.323% | 6.921% | 0 pts ($0) | $522/mo | $17,823 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $492/mo | $15,199 |
VA 0% Down | 0% | 700 credit score | 6.381% | 6.646% | 0 pts ($0) | $596/mo | $19,970 |
VA Cash-Out Refi | 0% | 640 credit score | 6.390% | 6.783% | 0 pts ($0) | $597/mo | $19,996 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.406% | 6.578% | 0 pts ($0) | $598/mo | $20,042 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $514/mo | $16,270 |
Frequently Asked Questions
What are today's mortgage rates in 41226, , KY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 41226, , KY is 7.498% (with an estimated monthly payment of $663). Active program rates also include FHA 30-year fixed loans at 6.310% and VA 0%-down fixed loans at 6.381%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 41226, , KY?
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 41226, , KY have fluctuated between a low of 7.401% and a high of 7.584%. 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 41226, , KY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $93,459 in 41226, , KY, a standard 20%-down Conventional loan requires an upfront cash down payment of $18,692 but keeps your monthly payment lower at $663/mo (at 7.498% interest) with no monthly PMI. In comparison, an FHA loan requires only $3,271 (3.5% down) but has an estimated payment of $721/mo (at 6.310% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $90,188 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 41226 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 41226 is $806,501. With a typical local home value of $93,459 in , a standard 20%-down mortgage requires a loan size of $74,767. 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 41226, , KY impact estimated mortgage payments?
The median home value in 41226, , KY is estimated at $93,459. Buying a typical home here with a standard 20% down payment ($18,692) translates to an estimated starting monthly mortgage payment of $663 (principal and interest). Compared to the local area median household income of $45,455 ($3,788/mo), this basic housing payment represents approximately 17.5% 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.