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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 | 7.031%APR 7.075% | 0 pts$0 | $780/moP&I $780 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.098%APR 6.875% | 0 pts$0 | $775/moP&I $721 · MI $55 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.286%APR 6.351% | 0 pts$0 | $723/moP&I $723 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.178%APR 7.229% | 0 pts$0 | $792/moP&I $792 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.743% | 0 pts$0 | $827/moP&I $827 · 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 | 6.286% | 6.351% | 0 pts ($0) | $1,005/mo | $20,670 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.279% | 6.346% | 0 pts ($0) | $1,255/mo | $28,658 |
Condo 10% Down | 10% | 720 credit score | 7.367% | 7.548% | 0 pts ($0) | $908/mo | $32,003 |
Conventional 10% Down | 10% | 720 credit score | 6.834% | 7.001% | 0 pts ($0) | $860/mo | $29,890 |
Conventional 20% Down | 20% | 740 credit score | 7.031% | 7.075% | 0 pts ($0) | $780/mo | $24,282 |
Conventional 5% Down | 5% | 700 credit score | 7.124% | 7.614% | 0 pts ($0) | $935/mo | $32,764 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.477% | 7.524% | 0 pts ($0) | $1,019/mo | $35,168 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $865/mo | $29,299 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.785% | 7.166% | 0 pts ($0) | $923/mo | $33,281 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.178% | 7.229% | 0 pts ($0) | $990/mo | $33,849 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,206/mo | $28,750 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.098% | 6.875% | 0 pts ($0) | $869/mo | $30,607 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $885/mo | $30,994 |
FHA Streamline Refi | 0% | 640 credit score | 6.292% | 7.073% | 0 pts ($0) | $920/mo | $32,585 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.081% | 7.333% | 0 pts ($0) | $931/mo | $33,833 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $914/mo | $17,899 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.743% | 0 pts ($0) | $776/mo | $24,728 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $788/mo | $24,613 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $850/mo | $26,053 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.459% | 7.243% | 0 pts ($0) | $903/mo | $32,165 |
Second Home 10% Down | 10% | 720 credit score | 6.110% | 6.693% | 0 pts ($0) | $798/mo | $27,024 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $769/mo | $23,764 |
VA 0% Down | 0% | 700 credit score | 6.131% | 6.383% | 0 pts ($0) | $908/mo | $30,102 |
VA Cash-Out Refi | 0% | 640 credit score | 6.123% | 6.500% | 0 pts ($0) | $907/mo | $30,066 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.140% | 6.300% | 0 pts ($0) | $908/mo | $30,142 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $804/mo | $25,438 |
Frequently Asked Questions
What are today's mortgage rates in 47392, , IN across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 47392, , IN is 7.031% (with an estimated monthly payment of $1,088). Active program rates also include FHA 30-year fixed loans at 6.098% and VA 0%-down fixed loans at 6.131%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 47392, , IN?
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 47392, , IN have fluctuated between a low of 6.916% and a high of 7.163%. 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 47392, , IN?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $146,126 in 47392, , IN, a standard 20%-down Conventional loan requires an upfront cash down payment of $29,225 but keeps your monthly payment lower at $1,088/mo (at 7.031% interest) with no monthly PMI. In comparison, an FHA loan requires only $5,114 (3.5% down) but has an estimated payment of $1,213/mo (at 6.098% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $141,012 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 47392 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 47392 is $806,501. With a typical local home value of $146,126 in , a standard 20%-down mortgage requires a loan size of $116,901. 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 47392, , IN impact estimated mortgage payments?
The median home value in 47392, , IN is estimated at $146,126. Buying a typical home here with a standard 20% down payment ($29,225) translates to an estimated starting monthly mortgage payment of $1,088 (principal and interest). Compared to the local area median household income of $67,692 ($5,641/mo), this basic housing payment represents approximately 19.3% 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.