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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 | 7.059%APR 7.101% | 0 pts$0 | $2,276/moP&I $2,276 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.079%APR 6.854% | 0 pts$0 | $2,250/moP&I $2,092 · MI $159 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.307%APR 6.367% | 0 pts$0 | $2,106/moP&I $2,106 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.062%APR 7.104% | 0 pts$0 | $2,276/moP&I $2,276 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.697% | 0 pts$0 | $2,406/moP&I $2,406 · 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 | 6.307% | 6.367% | 0 pts ($0) | $2,926/mo | $60,326 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.245% | 6.305% | 0 pts ($0) | $3,643/mo | $82,930 |
Condo 10% Down | 10% | 720 credit score | 7.274% | 7.450% | 0 pts ($0) | $2,616/mo | $92,007 |
Conventional 10% Down | 10% | 720 credit score | 6.853% | 7.018% | 0 pts ($0) | $2,507/mo | $87,152 |
Conventional 20% Down | 20% | 740 credit score | 7.059% | 7.101% | 0 pts ($0) | $2,276/mo | $70,909 |
Conventional 5% Down | 5% | 700 credit score | 7.250% | 7.742% | 0 pts ($0) | $2,754/mo | $96,826 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.497% | 7.542% | 0 pts ($0) | $2,971/mo | $102,539 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,515/mo | $85,214 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.856% | 7.237% | 0 pts ($0) | $2,703/mo | $97,678 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.062% | 7.104% | 0 pts ($0) | $2,845/mo | $96,963 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,507/mo | $83,617 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.079% | 6.854% | 0 pts ($0) | $2,523/mo | $88,782 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,575/mo | $90,144 |
FHA Streamline Refi | 0% | 640 credit score | 6.274% | 7.052% | 0 pts ($0) | $2,669/mo | $94,538 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.185% | 7.437% | 0 pts ($0) | $2,737/mo | $99,668 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,659/mo | $52,058 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.697% | 0 pts ($0) | $2,256/mo | $71,920 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,291/mo | $71,586 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,471/mo | $75,773 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.443% | 7.224% | 0 pts ($0) | $2,622/mo | $93,351 |
Second Home 10% Down | 10% | 720 credit score | 6.089% | 6.669% | 0 pts ($0) | $2,315/mo | $78,357 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,236/mo | $69,116 |
VA 0% Down | 0% | 700 credit score | 6.092% | 6.340% | 0 pts ($0) | $2,629/mo | $87,041 |
VA Cash-Out Refi | 0% | 640 credit score | 6.105% | 6.479% | 0 pts ($0) | $2,632/mo | $87,210 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.115% | 6.272% | 0 pts ($0) | $2,635/mo | $87,341 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,339/mo | $73,985 |
Frequently Asked Questions
What are today's mortgage rates in 45433, Wright-Patterson Afb, OH across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 45433, Wright-Patterson Afb, OH is 7.059% (with an estimated monthly payment of $1,372). Active program rates also include FHA 30-year fixed loans at 6.079% and VA 0%-down fixed loans at 6.092%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 45433, Wright-Patterson Afb, OH?
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 45433, Wright-Patterson Afb, OH have fluctuated between a low of 6.939% and a high of 7.201%. 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 45433, Wright-Patterson Afb, OH?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $400,000 in 45433, Wright-Patterson Afb, OH, a standard 20%-down Conventional loan requires an upfront cash down payment of $80,000 but keeps your monthly payment lower at $1,372/mo (at 7.059% interest) with no monthly PMI. In comparison, an FHA loan requires only $14,000 (3.5% down) but has an estimated payment of $1,521/mo (at 6.079% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $386,000 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 45433 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 45433 is $806,501. With a typical local home value of $400,000 in Wright-Patterson Afb, a standard 20%-down mortgage requires a loan size of $320,000. 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 45433, Wright-Patterson Afb, OH impact estimated mortgage payments?
The median home value in 45433, Wright-Patterson Afb, OH is estimated at $400,000. Buying a typical home here with a standard 20% down payment ($80,000) translates to an estimated starting monthly mortgage payment of $1,372 (principal and interest). Compared to the local area median household income of $89,615 ($7,468/mo), this basic housing payment represents approximately 18.4% 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.