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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 | 6.834%APR 6.868% | 0 pts$0 | $1,740/moP&I $1,740 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.975%APR 6.743% | 0 pts$0 | $1,742/moP&I $1,618 · MI $124 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.882%APR 5.929% | 0 pts$0 | $1,574/moP&I $1,574 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.562%APR 6.597% | 0 pts$0 | $1,692/moP&I $1,692 · MI $0 | See details |
| Investment Property FixedConforming | 7.521%APR 7.560% | 0 pts$0 | $1,863/moP&I $1,863 · 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 | 5.882% | 5.929% | 0 pts ($0) | $2,227/mo | $43,907 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.980% | 6.032% | 0 pts ($0) | $2,801/mo | $62,308 |
Condo 10% Down | 10% | 720 credit score | 7.037% | 7.201% | 0 pts ($0) | $1,998/mo | $69,821 |
Conventional 10% Down | 10% | 720 credit score | 6.520% | 6.672% | 0 pts ($0) | $1,895/mo | $65,162 |
Conventional 20% Down | 20% | 740 credit score | 6.834% | 6.868% | 0 pts ($0) | $1,740/mo | $53,656 |
Conventional 5% Down | 5% | 700 credit score | 6.959% | 7.434% | 0 pts ($0) | $2,092/mo | $72,958 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.276% | 7.313% | 0 pts ($0) | $2,273/mo | $77,981 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,967/mo | $66,647 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.717% | 7.088% | 0 pts ($0) | $2,084/mo | $75,045 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.562% | 6.597% | 0 pts ($0) | $2,115/mo | $70,828 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,743/mo | $65,398 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.975% | 6.743% | 0 pts ($0) | $1,952/mo | $68,417 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,014/mo | $70,502 |
FHA Streamline Refi | 0% | 640 credit score | 6.104% | 6.874% | 0 pts ($0) | $2,050/mo | $72,210 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.933% | 7.174% | 0 pts ($0) | $2,087/mo | $75,553 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,080/mo | $40,715 |
Investment Property 25% Down | 25% | 740 credit score | 7.521% | 7.560% | 0 pts ($0) | $1,747/mo | $55,467 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,792/mo | $55,988 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,933/mo | $59,263 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.344% | 7.118% | 0 pts ($0) | $2,030/mo | $72,038 |
Second Home 10% Down | 10% | 720 credit score | 7.500% | 7.673% | 0 pts ($0) | $2,092/mo | $73,999 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,748/mo | $54,056 |
VA 0% Down | 0% | 700 credit score | 5.958% | 6.199% | 0 pts ($0) | $2,027/mo | $66,708 |
VA Cash-Out Refi | 0% | 640 credit score | 5.965% | 6.330% | 0 pts ($0) | $2,028/mo | $66,780 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.978% | 6.128% | 0 pts ($0) | $2,031/mo | $66,912 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,829/mo | $57,865 |
Frequently Asked Questions
What are today's mortgage rates in 77880, , TX across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 77880, , TX is 6.834% (with an estimated monthly payment of $3,167). Active program rates also include FHA 30-year fixed loans at 5.975% and VA 0%-down fixed loans at 5.958%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 77880, , 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 77880, , TX have fluctuated between a low of 6.455% and a high of 6.915%. 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 77880, , TX?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $332,397 in 77880, , TX, a standard 20%-down Conventional loan requires an upfront cash down payment of $66,479 but keeps your monthly payment lower at $3,167/mo (at 6.834% interest) with no monthly PMI. In comparison, an FHA loan requires only $11,634 (3.5% down) but has an estimated payment of $3,293/mo (at 5.975% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $320,763 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 77880 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 77880 is $806,501. With a typical local home value of $332,397 in , a standard 20%-down mortgage requires a loan size of $265,918. 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 77880, , TX impact estimated mortgage payments?
The median home value in 77880, , TX is estimated at $332,397. Buying a typical home here with a standard 20% down payment ($66,479) translates to an estimated starting monthly mortgage payment of $3,167 (principal and interest). Compared to the local area median household income of $87,211 ($7,268/mo), this basic housing payment represents approximately 43.6% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.