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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 | 5.942%APR 6.914% | 0 pts$0 | $6,634/moP&I $6,160 · MI $474 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr FixedJumbo | 6.992%APR 7.024% | 0 pts$0 | $6,755/moP&I $6,755 · 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 | 5.818% | 5.862% | 0 pts ($0) | $8,475/mo | $165,892 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.822% | 5.867% | 0 pts ($0) | $10,596/mo | $232,280 |
Condo 10% Down | 10% | 720 credit score | 6.963% | 7.123% | 0 pts ($0) | $7,577/mo | $264,247 |
Conventional 10% Down | 10% | 720 credit score | 6.596% | 6.748% | 0 pts ($0) | $7,298/mo | $251,608 |
Conventional 20% Down | 20% | 740 credit score | 6.779% | 6.811% | 0 pts ($0) | $6,610/mo | $203,342 |
Conventional 5% Down | 5% | 700 credit score | 6.062% | 6.984% | 0 pts ($0) | $7,282/mo | $246,202 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.168% | 7.202% | 0 pts ($0) | $8,594/mo | $293,837 |
Conventional High Balance | 10% | 740 credit score | 6.997% | 7.029% | 0 pts ($0) | $7,603/mo | $258,560 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.884% | 6.900% | 0 pts ($0) | $8,101/mo | $292,954 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.495% | 6.526% | 0 pts ($0) | $8,024/mo | $268,082 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $10,481/mo | $249,893 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.942% | 6.914% | 0 pts ($0) | $7,431/mo | $260,194 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $7,695/mo | $269,399 |
FHA Streamline Refi | 0% | 640 credit score | 6.059% | 7.033% | 0 pts ($0) | $7,797/mo | $274,175 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.347% | 7.596% | 0 pts ($0) | $8,311/mo | $303,759 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $7,946/mo | $155,579 |
Investment Property 25% Down | 25% | 740 credit score | 7.449% | 7.485% | 0 pts ($0) | $6,627/mo | $209,877 |
Jumbo Conforming | 20% | 760 credit score | 6.992% | 7.024% | 0 pts ($0) | $6,755/mo | $209,864 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $7,385/mo | $226,452 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.401% | 7.380% | 0 pts ($0) | $7,802/mo | $277,406 |
Second Home 10% Down | 10% | 720 credit score | 5.951% | 6.671% | 0 pts ($0) | $6,818/mo | $229,431 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $6,681/mo | $206,556 |
VA 0% Down | 0% | 700 credit score | 6.031% | 6.272% | 0 pts ($0) | $7,805/mo | $257,747 |
VA Cash-Out Refi | 0% | 640 credit score | 6.037% | 6.402% | 0 pts ($0) | $7,810/mo | $257,981 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.048% | 6.197% | 0 pts ($0) | $7,819/mo | $258,409 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $6,989/mo | $221,109 |
Frequently Asked Questions
What are today's mortgage rates in 96761, Napili-Honokowai, HI across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 96761, Napili-Honokowai, HI is 6.779% (with an estimated monthly payment of $5,075). Active program rates also include FHA 30-year fixed loans at 5.942% and VA 0%-down fixed loans at 6.031%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 96761, Napili-Honokowai, 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 96761, Napili-Honokowai, HI have fluctuated between a low of 6.398% and a high of 6.856%. 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 96761, Napili-Honokowai, HI?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $1,270,131 in 96761, Napili-Honokowai, HI, a standard 20%-down Conventional loan requires an upfront cash down payment of $254,026 but keeps your monthly payment lower at $5,075/mo (at 6.779% interest) with no monthly PMI. In comparison, an FHA loan requires only $44,455 (3.5% down) but has an estimated payment of $5,705/mo (at 5.942% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $1,225,676 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 96761 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 96761 is $806,501. With a typical local home value of $1,270,131 in Napili-Honokowai, a standard 20%-down mortgage requires a loan size of $1,016,105. Since this exceeds the conforming limit of $806,501, most typical transactions in Napili-Honokowai 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 96761, Napili-Honokowai, HI impact estimated mortgage payments?
The median home value in 96761, Napili-Honokowai, HI is estimated at $1,270,131. Buying a typical home here with a standard 20% down payment ($254,026) translates to an estimated starting monthly mortgage payment of $5,075 (principal and interest). Compared to the local area median household income of $110,247 ($9,187/mo), this basic housing payment represents approximately 55.2% 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.