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 Shade
We rank active Shade 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 | 7.017%APR 7.057% | 0 pts$0 | $934/moP&I $934 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.078%APR 6.852% | 0 pts$0 | $928/moP&I $862 · MI $65 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.276%APR 6.335% | 0 pts$0 | $866/moP&I $866 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.045%APR 7.086% | 0 pts$0 | $937/moP&I $937 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.731% | 0 pts$0 | $992/moP&I $992 · 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 | 6.276% | 6.335% | 0 pts ($0) | $1,204/mo | $24,748 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.195% | 6.254% | 0 pts ($0) | $1,497/mo | $33,940 |
Condo 10% Down | 10% | 720 credit score | 7.242% | 7.417% | 0 pts ($0) | $1,075/mo | $37,784 |
Conventional 10% Down | 10% | 720 credit score | 6.830% | 6.994% | 0 pts ($0) | $1,031/mo | $35,825 |
Conventional 20% Down | 20% | 740 credit score | 7.017% | 7.057% | 0 pts ($0) | $934/mo | $29,060 |
Conventional 5% Down | 5% | 700 credit score | 7.198% | 7.686% | 0 pts ($0) | $1,130/mo | $39,662 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.467% | 7.511% | 0 pts ($0) | $1,221/mo | $42,121 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,037/mo | $35,136 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.849% | 7.229% | 0 pts ($0) | $1,114/mo | $40,239 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.045% | 7.086% | 0 pts ($0) | $1,171/mo | $39,890 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,446/mo | $34,477 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.078% | 6.852% | 0 pts ($0) | $1,040/mo | $36,602 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,062/mo | $37,168 |
FHA Streamline Refi | 0% | 640 credit score | 6.272% | 7.049% | 0 pts ($0) | $1,100/mo | $38,969 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.121% | 7.372% | 0 pts ($0) | $1,121/mo | $40,774 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,096/mo | $21,465 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.731% | 0 pts ($0) | $930/mo | $29,654 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $944/mo | $29,517 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,019/mo | $31,243 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.441% | 7.221% | 0 pts ($0) | $1,081/mo | $38,480 |
Second Home 10% Down | 10% | 720 credit score | 6.079% | 6.658% | 0 pts ($0) | $954/mo | $32,261 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $922/mo | $28,498 |
VA 0% Down | 0% | 700 credit score | 6.085% | 6.333% | 0 pts ($0) | $1,083/mo | $35,851 |
VA Cash-Out Refi | 0% | 640 credit score | 6.086% | 6.459% | 0 pts ($0) | $1,083/mo | $35,857 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.104% | 6.260% | 0 pts ($0) | $1,085/mo | $35,953 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $964/mo | $30,506 |
Frequently Asked Questions
What are today's mortgage rates in 45776, , OH across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 45776, , OH is 7.017% (with an estimated monthly payment of $1,476). Active program rates also include FHA 30-year fixed loans at 6.078% and VA 0%-down fixed loans at 6.085%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 45776, , 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 45776, , OH have fluctuated between a low of 6.910% and a high of 7.166%. 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 45776, , OH?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $175,237 in 45776, , OH, a standard 20%-down Conventional loan requires an upfront cash down payment of $35,047 but keeps your monthly payment lower at $1,476/mo (at 7.017% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,133 (3.5% down) but has an estimated payment of $1,643/mo (at 6.078% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $169,104 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 45776 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 45776 is $806,501. With a typical local home value of $175,237 in , a standard 20%-down mortgage requires a loan size of $140,190. 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 45776, , OH impact estimated mortgage payments?
The median home value in 45776, , OH is estimated at $175,237. Buying a typical home here with a standard 20% down payment ($35,047) translates to an estimated starting monthly mortgage payment of $1,476 (principal and interest). Compared to the local area median household income of $66,394 ($5,533/mo), this basic housing payment represents approximately 26.7% 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.