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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 | 6.892%APR 6.928% | 0 pts$0 | $1,965/moP&I $1,965 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.036%APR 6.806% | 0 pts$0 | $1,968/moP&I $1,829 · MI $139 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.984%APR 6.035% | 0 pts$0 | $1,788/moP&I $1,788 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.922%APR 6.958% | 0 pts$0 | $1,971/moP&I $1,971 · MI $0 | See details |
| Investment Property FixedConforming | 7.616%APR 7.657% | 0 pts$0 | $2,112/moP&I $2,112 · 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 | 5.984% | 6.035% | 0 pts ($0) | $2,518/mo | $50,193 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.941% | 5.992% | 0 pts ($0) | $3,138/mo | $69,557 |
Condo 10% Down | 10% | 720 credit score | 7.137% | 7.305% | 0 pts ($0) | $2,266/mo | $79,430 |
Conventional 10% Down | 10% | 720 credit score | 6.590% | 6.745% | 0 pts ($0) | $2,144/mo | $73,892 |
Conventional 20% Down | 20% | 740 credit score | 6.892% | 6.928% | 0 pts ($0) | $1,965/mo | $60,783 |
Conventional 5% Down | 5% | 700 credit score | 7.004% | 7.482% | 0 pts ($0) | $2,360/mo | $82,421 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.334% | 7.373% | 0 pts ($0) | $2,568/mo | $88,234 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,209/mo | $74,852 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.801% | 7.176% | 0 pts ($0) | $2,361/mo | $85,200 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.922% | 6.958% | 0 pts ($0) | $2,464/mo | $83,596 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,081/mo | $73,449 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.036% | 6.806% | 0 pts ($0) | $2,206/mo | $77,512 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,262/mo | $79,182 |
FHA Streamline Refi | 0% | 640 credit score | 6.223% | 6.996% | 0 pts ($0) | $2,332/mo | $82,458 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.979% | 7.223% | 0 pts ($0) | $2,355/mo | $85,345 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,336/mo | $45,728 |
Investment Property 25% Down | 25% | 740 credit score | 7.616% | 7.657% | 0 pts ($0) | $1,980/mo | $63,098 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,012/mo | $62,881 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,171/mo | $66,559 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.405% | 7.181% | 0 pts ($0) | $2,294/mo | $81,579 |
Second Home 10% Down | 10% | 720 credit score | 5.942% | 6.514% | 0 pts ($0) | $2,002/mo | $67,344 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,964/mo | $60,711 |
VA 0% Down | 0% | 700 credit score | 6.029% | 6.273% | 0 pts ($0) | $2,293/mo | $75,734 |
VA Cash-Out Refi | 0% | 640 credit score | 6.041% | 6.409% | 0 pts ($0) | $2,296/mo | $75,871 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.065% | 6.217% | 0 pts ($0) | $2,302/mo | $76,147 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,054/mo | $64,988 |
Frequently Asked Questions
What are today's mortgage rates in 78161, , TX across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 78161, , TX is 6.892% (with an estimated monthly payment of $2,326). Active program rates also include FHA 30-year fixed loans at 6.036% and VA 0%-down fixed loans at 6.029%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 78161, , 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 78161, , TX have fluctuated between a low of 6.510% and a high of 6.971%. 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 78161, , TX?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $373,317 in 78161, , TX, a standard 20%-down Conventional loan requires an upfront cash down payment of $74,663 but keeps your monthly payment lower at $2,326/mo (at 6.892% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,066 (3.5% down) but has an estimated payment of $2,611/mo (at 6.036% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $360,251 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 78161 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 78161 is $806,501. With a typical local home value of $373,317 in , a standard 20%-down mortgage requires a loan size of $298,654. 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 78161, , TX impact estimated mortgage payments?
The median home value in 78161, , TX is estimated at $373,317. Buying a typical home here with a standard 20% down payment ($74,663) translates to an estimated starting monthly mortgage payment of $2,326 (principal and interest). Compared to the local area median household income of $97,604 ($8,134/mo), this basic housing payment represents approximately 28.6% 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.