Select your Scenario
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.
See Safe Rate's top scoring lenders for Cocolalla
We rank active Cocolalla lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
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 | 6.804%APR 6.837% | 0 pts$0 | $3,503/moP&I $3,503 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.975%APR 6.743% | 0 pts$0 | $3,518/moP&I $3,268 · MI $250 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.847%APR 5.893% | 0 pts$0 | $3,168/moP&I $3,168 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.505%APR 6.538% | 0 pts$0 | $3,397/moP&I $3,397 · MI $0 | See details |
| Investment Property FixedConforming | 7.481%APR 7.518% | 0 pts$0 | $3,749/moP&I $3,749 · MI $0 | See details |
Personalize the rates on this page
Tell us your home budget and credit score to see exact payments and find your best-fit loan program instantly.
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 | 5.847% | 5.893% | 0 pts ($0) | $4,488/mo | $88,139 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.906% | 5.955% | 0 pts ($0) | $5,631/mo | $124,411 |
Condo 10% Down | 10% | 720 credit score | 6.991% | 7.153% | 0 pts ($0) | $4,016/mo | $140,188 |
Conventional 10% Down | 10% | 720 credit score | 6.492% | 6.643% | 0 pts ($0) | $3,816/mo | $131,105 |
Conventional 20% Down | 20% | 740 credit score | 6.804% | 6.837% | 0 pts ($0) | $3,503/mo | $107,889 |
Conventional 5% Down | 5% | 700 credit score | 6.934% | 7.406% | 0 pts ($0) | $4,215/mo | $146,880 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.243% | 7.279% | 0 pts ($0) | $4,577/mo | $156,838 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,973/mo | $134,614 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.608% | 6.975% | 0 pts ($0) | $4,163/mo | $149,438 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.505% | 6.538% | 0 pts ($0) | $4,246/mo | $141,907 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,540/mo | $132,091 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.975% | 6.743% | 0 pts ($0) | $3,942/mo | $138,189 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,068/mo | $142,401 |
FHA Streamline Refi | 0% | 640 credit score | 6.104% | 6.874% | 0 pts ($0) | $4,141/mo | $145,850 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.907% | 7.147% | 0 pts ($0) | $4,204/mo | $152,102 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,200/mo | $82,237 |
Investment Property 25% Down | 25% | 740 credit score | 7.481% | 7.518% | 0 pts ($0) | $3,514/mo | $111,425 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $3,619/mo | $113,085 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,904/mo | $119,700 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.344% | 7.118% | 0 pts ($0) | $4,099/mo | $145,503 |
Second Home 10% Down | 10% | 720 credit score | 7.472% | 7.643% | 0 pts ($0) | $4,213/mo | $148,954 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,532/mo | $109,183 |
VA 0% Down | 0% | 700 credit score | 5.921% | 6.160% | 0 pts ($0) | $4,077/mo | $133,975 |
VA Cash-Out Refi | 0% | 640 credit score | 5.926% | 6.289% | 0 pts ($0) | $4,079/mo | $134,078 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.937% | 6.085% | 0 pts ($0) | $4,084/mo | $134,305 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,694/mo | $116,876 |
Frequently Asked Questions
What are today's mortgage rates in 83813, , ID across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 83813, , ID is 6.804% (with an estimated monthly payment of $3,980). Active program rates also include FHA 30-year fixed loans at 5.975% and VA 0%-down fixed loans at 5.921%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 83813, , ID?
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 83813, , ID have fluctuated between a low of 6.424% and a high of 6.884%. 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 83813, , ID?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $671,377 in 83813, , ID, a standard 20%-down Conventional loan requires an upfront cash down payment of $134,275 but keeps your monthly payment lower at $3,980/mo (at 6.804% interest) with no monthly PMI. In comparison, an FHA loan requires only $23,498 (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 $647,879 falls comfortably within the local HUD FHA loan limit of $772,084 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 83813 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 83813 is $806,501. With a typical local home value of $671,377 in , a standard 20%-down mortgage requires a loan size of $537,102. 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 83813, , ID impact estimated mortgage payments?
The median home value in 83813, , ID is estimated at $671,377. Buying a typical home here with a standard 20% down payment ($134,275) translates to an estimated starting monthly mortgage payment of $3,980 (principal and interest). Compared to the local area median household income of $69,512 ($5,793/mo), this basic housing payment represents approximately 68.7% 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.