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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 | 6.848%APR 6.882% | 0 pts$0 | $2,402/moP&I $2,402 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.978%APR 6.746% | 0 pts$0 | $2,403/moP&I $2,232 · MI $171 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.908%APR 5.956% | 0 pts$0 | $2,177/moP&I $2,177 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.579%APR 6.612% | 0 pts$0 | $2,337/moP&I $2,337 · MI $0 | See details |
| Investment Property FixedConforming | 7.545%APR 7.584% | 0 pts$0 | $2,575/moP&I $2,575 · 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 | 5.908% | 5.956% | 0 pts ($0) | $3,076/mo | $60,818 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.903% | 5.952% | 0 pts ($0) | $3,844/mo | $84,894 |
Condo 10% Down | 10% | 720 credit score | 7.062% | 7.227% | 0 pts ($0) | $2,762/mo | $96,587 |
Conventional 10% Down | 10% | 720 credit score | 6.538% | 6.691% | 0 pts ($0) | $2,618/mo | $90,075 |
Conventional 20% Down | 20% | 740 credit score | 6.848% | 6.882% | 0 pts ($0) | $2,402/mo | $74,140 |
Conventional 5% Down | 5% | 700 credit score | 6.971% | 7.447% | 0 pts ($0) | $2,888/mo | $100,759 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.291% | 7.328% | 0 pts ($0) | $3,139/mo | $107,734 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,712/mo | $91,899 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.750% | 7.123% | 0 pts ($0) | $2,884/mo | $103,921 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.579% | 6.612% | 0 pts ($0) | $2,921/mo | $97,899 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,782/mo | $90,176 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.978% | 6.746% | 0 pts ($0) | $2,692/mo | $94,381 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,777/mo | $97,215 |
FHA Streamline Refi | 0% | 640 credit score | 6.108% | 6.878% | 0 pts ($0) | $2,829/mo | $99,626 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.945% | 7.186% | 0 pts ($0) | $2,881/mo | $104,336 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,867/mo | $56,142 |
Investment Property 25% Down | 25% | 740 credit score | 7.545% | 7.584% | 0 pts ($0) | $2,414/mo | $76,732 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,470/mo | $77,202 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,665/mo | $81,718 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.347% | 7.121% | 0 pts ($0) | $2,799/mo | $99,374 |
Second Home 10% Down | 10% | 720 credit score | 5.993% | 6.565% | 0 pts ($0) | $2,471/mo | $83,313 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,411/mo | $74,538 |
VA 0% Down | 0% | 700 credit score | 5.975% | 6.216% | 0 pts ($0) | $2,800/mo | $92,223 |
VA Cash-Out Refi | 0% | 640 credit score | 5.982% | 6.347% | 0 pts ($0) | $2,802/mo | $92,321 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.997% | 6.147% | 0 pts ($0) | $2,806/mo | $92,532 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,522/mo | $79,789 |
Frequently Asked Questions
What are today's mortgage rates in 77410, , TX across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 77410, , TX is 6.848% (with an estimated monthly payment of $2,899). Active program rates also include FHA 30-year fixed loans at 5.978% and VA 0%-down fixed loans at 5.975%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 77410, , 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 77410, , TX have fluctuated between a low of 6.469% and a high of 6.929%. 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 77410, , TX?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $458,340 in 77410, , TX, a standard 20%-down Conventional loan requires an upfront cash down payment of $91,668 but keeps your monthly payment lower at $2,899/mo (at 6.848% interest) with no monthly PMI. In comparison, an FHA loan requires only $16,042 (3.5% down) but has an estimated payment of $3,249/mo (at 5.978% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $442,298 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 77410 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 77410 is $806,501. With a typical local home value of $458,340 in , a standard 20%-down mortgage requires a loan size of $366,672. 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 77410, , TX impact estimated mortgage payments?
The median home value in 77410, , TX is estimated at $458,340. Buying a typical home here with a standard 20% down payment ($91,668) translates to an estimated starting monthly mortgage payment of $2,899 (principal and interest). Compared to the local area median household income of $151,082 ($12,590/mo), this basic housing payment represents approximately 23.0% 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.