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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 | 7.023%APR 7.067% | 0 pts$0 | $1,021/moP&I $1,021 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.096%APR 6.873% | 0 pts$0 | $1,015/moP&I $944 · MI $71 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.280%APR 6.344% | 0 pts$0 | $946/moP&I $946 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.005%APR 7.049% | 0 pts$0 | $1,019/moP&I $1,019 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.740% | 0 pts$0 | $1,084/moP&I $1,084 · 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 | 6.280% | 6.344% | 0 pts ($0) | $1,316/mo | $27,055 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.102% | 6.165% | 0 pts ($0) | $1,626/mo | $36,564 |
Condo 10% Down | 10% | 720 credit score | 7.360% | 7.541% | 0 pts ($0) | $1,188/mo | $41,894 |
Conventional 10% Down | 10% | 720 credit score | 6.829% | 6.996% | 0 pts ($0) | $1,127/mo | $39,135 |
Conventional 20% Down | 20% | 740 credit score | 7.023% | 7.067% | 0 pts ($0) | $1,021/mo | $31,777 |
Conventional 5% Down | 5% | 700 credit score | 7.122% | 7.612% | 0 pts ($0) | $1,225/mo | $42,915 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.471% | 7.518% | 0 pts ($0) | $1,335/mo | $46,041 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,133/mo | $38,387 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.885% | 7.269% | 0 pts ($0) | $1,221/mo | $44,164 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.005% | 7.049% | 0 pts ($0) | $1,274/mo | $43,350 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,580/mo | $37,667 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.096% | 6.873% | 0 pts ($0) | $1,139/mo | $40,090 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,160/mo | $40,607 |
FHA Streamline Refi | 0% | 640 credit score | 6.290% | 7.071% | 0 pts ($0) | $1,204/mo | $42,680 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.079% | 7.331% | 0 pts ($0) | $1,220/mo | $44,317 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,198/mo | $23,451 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.740% | 0 pts ($0) | $1,016/mo | $32,398 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,032/mo | $32,248 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,113/mo | $34,134 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.457% | 7.240% | 0 pts ($0) | $1,183/mo | $42,131 |
Second Home 10% Down | 10% | 720 credit score | 6.108% | 6.691% | 0 pts ($0) | $1,045/mo | $35,396 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,007/mo | $31,135 |
VA 0% Down | 0% | 700 credit score | 6.127% | 6.378% | 0 pts ($0) | $1,189/mo | $39,415 |
VA Cash-Out Refi | 0% | 640 credit score | 6.121% | 6.498% | 0 pts ($0) | $1,188/mo | $39,380 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.136% | 6.295% | 0 pts ($0) | $1,190/mo | $39,468 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,054/mo | $33,328 |
Frequently Asked Questions
What are today's mortgage rates in 78330, La Paloma-Lost Creek, TX across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 78330, La Paloma-Lost Creek, TX is 7.023% (with an estimated monthly payment of $1,100). Active program rates also include FHA 30-year fixed loans at 6.096% and VA 0%-down fixed loans at 6.127%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 78330, La Paloma-Lost Creek, 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 78330, La Paloma-Lost Creek, TX have fluctuated between a low of 6.911% and a high of 7.157%. 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 78330, La Paloma-Lost Creek, TX?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $191,451 in 78330, La Paloma-Lost Creek, TX, a standard 20%-down Conventional loan requires an upfront cash down payment of $38,290 but keeps your monthly payment lower at $1,100/mo (at 7.023% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,701 (3.5% down) but has an estimated payment of $1,227/mo (at 6.096% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $184,750 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 78330 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 78330 is $806,501. With a typical local home value of $191,451 in La Paloma-Lost Creek, a standard 20%-down mortgage requires a loan size of $153,161. 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 78330, La Paloma-Lost Creek, TX impact estimated mortgage payments?
The median home value in 78330, La Paloma-Lost Creek, TX is estimated at $191,451. Buying a typical home here with a standard 20% down payment ($38,290) translates to an estimated starting monthly mortgage payment of $1,100 (principal and interest). Compared to the local area median household income of $67,120 ($5,593/mo), this basic housing payment represents approximately 19.7% 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.