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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
Exceeds $806,501 conforming limit
Requires veteran or military eligibility
Exceeds $806,501 conforming limit
Exceeds $806,501 conforming limit
Exceeds $806,501 conforming limit
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| FHA 30-Yr FixedJumbo | 5.960%APR 6.727% | 0 pts$0 | $6,736/moP&I $6,256 · MI $480 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr FixedJumbo | 7.000%APR 7.032% | 0 pts$0 | $6,852/moP&I $6,852 · MI $0 | See details |
| 15-Year Conforming Fixed Doesn't Apply | — | — | — | Ineligible |
| Refinance 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Investment Property Fixed Doesn't Apply | — | — | — | Ineligible |
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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 | 5.820% | 5.864% | 0 pts ($0) | $8,591/mo | $168,200 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.830% | 5.875% | 0 pts ($0) | $10,745/mo | $235,726 |
Condo 10% Down | 10% | 720 credit score | 6.965% | 7.125% | 0 pts ($0) | $7,681/mo | $267,898 |
Conventional 10% Down | 10% | 720 credit score | 6.599% | 6.752% | 0 pts ($0) | $7,399/mo | $255,123 |
Conventional 20% Down | 20% | 740 credit score | 6.781% | 6.813% | 0 pts ($0) | $6,701/mo | $206,160 |
Conventional 5% Down | 5% | 700 credit score | 7.372% | 7.863% | 0 pts ($0) | $8,444/mo | $297,792 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.173% | 7.207% | 0 pts ($0) | $8,715/mo | $298,014 |
Conventional High Balance | 10% | 740 credit score | 6.999% | 7.032% | 0 pts ($0) | $7,707/mo | $262,134 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.884% | 6.900% | 0 pts ($0) | $8,211/mo | $296,925 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.495% | 6.526% | 0 pts ($0) | $8,133/mo | $271,715 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $10,623/mo | $253,280 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.960% | 6.727% | 0 pts ($0) | $7,546/mo | $264,405 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $7,800/mo | $273,050 |
FHA Streamline Refi | 0% | 640 credit score | 6.083% | 6.852% | 0 pts ($0) | $7,923/mo | $278,836 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.349% | 7.598% | 0 pts ($0) | $8,425/mo | $307,950 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $8,054/mo | $157,688 |
Investment Property 25% Down | 25% | 740 credit score | 7.451% | 7.487% | 0 pts ($0) | $6,719/mo | $212,780 |
Jumbo Conforming | 20% | 760 credit score | 7.000% | 7.032% | 0 pts ($0) | $6,852/mo | $212,956 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $7,485/mo | $229,521 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.323% | 7.096% | 0 pts ($0) | $7,843/mo | $278,200 |
Second Home 10% Down | 10% | 720 credit score | 7.625% | 7.904% | 0 pts ($0) | $8,201/mo | $290,965 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $6,772/mo | $209,356 |
VA 0% Down | 0% | 700 credit score | 6.034% | 6.275% | 0 pts ($0) | $7,913/mo | $261,359 |
VA Cash-Out Refi | 0% | 640 credit score | 6.040% | 6.405% | 0 pts ($0) | $7,918/mo | $261,596 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.051% | 6.200% | 0 pts ($0) | $7,927/mo | $262,030 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $7,084/mo | $224,106 |
Frequently Asked Questions
What are today's mortgage rates in 96739, Kahaluu-Keauhou, HI across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 96739, Kahaluu-Keauhou, HI is 6.781% (with an estimated monthly payment of $4,981). Active program rates also include FHA 30-year fixed loans at 5.960% and VA 0%-down fixed loans at 6.034%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 96739, Kahaluu-Keauhou, HI?
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 96739, Kahaluu-Keauhou, HI have fluctuated between a low of 6.399% and a high of 6.858%. 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 96739, Kahaluu-Keauhou, HI?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $1,287,346 in 96739, Kahaluu-Keauhou, HI, a standard 20%-down Conventional loan requires an upfront cash down payment of $257,469 but keeps your monthly payment lower at $4,981/mo (at 6.781% interest) with no monthly PMI. In comparison, an FHA loan requires only $45,057 (3.5% down) but has an estimated payment of $3,563/mo (at 5.960% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $1,242,289 exceeds the local HUD FHA limit of $1,209,750 for a 1-unit property, meaning entry-level buyers here will likely require conventional financing or a larger down payment to comply with government limits.
What is the maximum conforming loan limit in 96739 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 96739 is $806,501. With a typical local home value of $1,287,346 in Kahaluu-Keauhou, a standard 20%-down mortgage requires a loan size of $1,029,877. Since this exceeds the conforming limit of $806,501, most typical transactions in Kahaluu-Keauhou require a non-conforming Jumbo loan, which demands stricter underwriting guidelines, higher credit scores, and larger asset reserves.
How does the median home value in 96739, Kahaluu-Keauhou, HI impact estimated mortgage payments?
The median home value in 96739, Kahaluu-Keauhou, HI is estimated at $1,287,346. Buying a typical home here with a standard 20% down payment ($257,469) translates to an estimated starting monthly mortgage payment of $4,981 (principal and interest). Compared to the local area median household income of $97,989 ($8,166/mo), this basic housing payment represents approximately 61.0% 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.