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.
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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 | 7.203%APR 7.251% | 0 pts$0 | $964/moP&I $964 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.113%APR 6.893% | 0 pts$0 | $943/moP&I $877 · MI $66 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.397%APR 6.467% | 0 pts$0 | $888/moP&I $888 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.066%APR 7.303% | 0 pts$0 | $951/moP&I $951 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.793% | 0 pts$0 | $1,005/moP&I $1,005 · 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 | 6.397% | 6.467% | 0 pts ($0) | $1,229/mo | $25,569 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.306% | 6.455% | 0 pts ($0) | $1,528/mo | $34,954 |
Condo 10% Down | 10% | 720 credit score | 7.469% | 7.655% | 0 pts ($0) | $1,114/mo | $39,371 |
Conventional 10% Down | 10% | 720 credit score | 6.910% | 7.081% | 0 pts ($0) | $1,053/mo | $36,678 |
Conventional 20% Down | 20% | 740 credit score | 7.203% | 7.251% | 0 pts ($0) | $964/mo | $30,235 |
Conventional 5% Down | 5% | 700 credit score | 7.170% | 7.663% | 0 pts ($0) | $1,141/mo | $40,037 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.604% | 7.655% | 0 pts ($0) | $1,254/mo | $43,404 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,051/mo | $35,594 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.802% | 7.186% | 0 pts ($0) | $1,123/mo | $40,520 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.066% | 7.303% | 0 pts ($0) | $1,189/mo | $40,523 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,465/mo | $34,927 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.113% | 6.893% | 0 pts ($0) | $1,058/mo | $37,262 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,076/mo | $37,653 |
FHA Streamline Refi | 0% | 640 credit score | 6.307% | 7.090% | 0 pts ($0) | $1,119/mo | $39,668 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.111% | 7.366% | 0 pts ($0) | $1,135/mo | $41,255 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,111/mo | $21,745 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.793% | 0 pts ($0) | $942/mo | $30,041 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $957/mo | $29,901 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,032/mo | $31,650 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.472% | 7.258% | 0 pts ($0) | $1,099/mo | $39,145 |
Second Home 10% Down | 10% | 720 credit score | 6.126% | 6.712% | 0 pts ($0) | $971/mo | $32,907 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $934/mo | $28,870 |
VA 0% Down | 0% | 700 credit score | 6.149% | 6.403% | 0 pts ($0) | $1,105/mo | $36,668 |
VA Cash-Out Refi | 0% | 640 credit score | 6.163% | 6.543% | 0 pts ($0) | $1,106/mo | $36,744 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.193% | 6.356% | 0 pts ($0) | $1,110/mo | $36,908 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $977/mo | $30,904 |
Frequently Asked Questions
What are today's mortgage rates in 77376, , TX across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 77376, , TX is 7.203% (with an estimated monthly payment of $917). Active program rates also include FHA 30-year fixed loans at 6.113% and VA 0%-down fixed loans at 6.149%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 77376, , TX?
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 77376, , TX have fluctuated between a low of 7.019% and a high of 7.280%. 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 77376, , TX?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $177,522 in 77376, , TX, a standard 20%-down Conventional loan requires an upfront cash down payment of $35,504 but keeps your monthly payment lower at $917/mo (at 7.203% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,213 (3.5% down) but has an estimated payment of $1,006/mo (at 6.113% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $171,309 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 77376 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 77376 is $806,501. With a typical local home value of $177,522 in , a standard 20%-down mortgage requires a loan size of $142,018. 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 77376, , TX impact estimated mortgage payments?
The median home value in 77376, , TX is estimated at $177,522. Buying a typical home here with a standard 20% down payment ($35,504) translates to an estimated starting monthly mortgage payment of $917 (principal and interest). Compared to the local area median household income of $44,792 ($3,733/mo), this basic housing payment represents approximately 24.6% 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.