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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 | 6.934%APR 6.971% | 0 pts$0 | $1,921/moP&I $1,921 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.950%APR 6.720% | 0 pts$0 | $1,900/moP&I $1,764 · MI $136 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.063%APR 6.116% | 0 pts$0 | $1,755/moP&I $1,755 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.798%APR 6.836% | 0 pts$0 | $1,895/moP&I $1,895 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.687% | 0 pts$0 | $2,058/moP&I $2,058 · 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 | 6.063% | 6.116% | 0 pts ($0) | $2,463/mo | $49,528 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.058% | 6.113% | 0 pts ($0) | $3,078/mo | $68,944 |
Condo 10% Down | 10% | 720 credit score | 7.254% | 7.426% | 0 pts ($0) | $2,232/mo | $78,479 |
Conventional 10% Down | 10% | 720 credit score | 6.761% | 6.921% | 0 pts ($0) | $2,124/mo | $73,618 |
Conventional 20% Down | 20% | 740 credit score | 6.934% | 6.971% | 0 pts ($0) | $1,921/mo | $59,540 |
Conventional 5% Down | 5% | 700 credit score | 7.062% | 7.544% | 0 pts ($0) | $2,311/mo | $80,839 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.375% | 7.415% | 0 pts ($0) | $2,510/mo | $86,344 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,151/mo | $72,867 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.826% | 7.204% | 0 pts ($0) | $2,304/mo | $83,207 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.798% | 6.836% | 0 pts ($0) | $2,369/mo | $80,022 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,999/mo | $71,502 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.950% | 6.720% | 0 pts ($0) | $2,128/mo | $74,535 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,202/mo | $77,083 |
FHA Streamline Refi | 0% | 640 credit score | 6.070% | 6.842% | 0 pts ($0) | $2,234/mo | $78,572 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.019% | 7.264% | 0 pts ($0) | $2,301/mo | $83,499 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,274/mo | $44,516 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.687% | 0 pts ($0) | $1,929/mo | $61,500 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,959/mo | $61,214 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,113/mo | $64,794 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.310% | 7.086% | 0 pts ($0) | $2,211/mo | $78,397 |
Second Home 10% Down | 10% | 720 credit score | 5.955% | 6.529% | 0 pts ($0) | $1,952/mo | $65,686 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,912/mo | $59,102 |
VA 0% Down | 0% | 700 credit score | 6.072% | 6.317% | 0 pts ($0) | $2,243/mo | $74,206 |
VA Cash-Out Refi | 0% | 640 credit score | 6.075% | 6.445% | 0 pts ($0) | $2,244/mo | $74,240 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.082% | 6.236% | 0 pts ($0) | $2,245/mo | $74,318 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,000/mo | $63,266 |
Frequently Asked Questions
What are today's mortgage rates in 81212, Ca�On City, CO across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 81212, Ca�On City, CO is 6.934% (with an estimated monthly payment of $1,937). Active program rates also include FHA 30-year fixed loans at 5.950% and VA 0%-down fixed loans at 6.072%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 81212, Ca�On City, CO?
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 81212, Ca�On City, CO have fluctuated between a low of 6.580% and a high of 7.026%. 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 81212, Ca�On City, CO?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $363,421 in 81212, Ca�On City, CO, a standard 20%-down Conventional loan requires an upfront cash down payment of $72,684 but keeps your monthly payment lower at $1,937/mo (at 6.934% interest) with no monthly PMI. In comparison, an FHA loan requires only $12,720 (3.5% down) but has an estimated payment of $2,145/mo (at 5.950% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $350,701 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 81212 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 81212 is $806,501. With a typical local home value of $363,421 in Ca�On City, a standard 20%-down mortgage requires a loan size of $290,737. 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 81212, Ca�On City, CO impact estimated mortgage payments?
The median home value in 81212, Ca�On City, CO is estimated at $363,421. Buying a typical home here with a standard 20% down payment ($72,684) translates to an estimated starting monthly mortgage payment of $1,937 (principal and interest). Compared to the local area median household income of $67,504 ($5,625/mo), this basic housing payment represents approximately 34.4% 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.