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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 | 6.849%APR 6.883% | 0 pts$0 | $1,769/moP&I $1,769 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.980%APR 6.748% | 0 pts$0 | $1,769/moP&I $1,643 · MI $126 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.910%APR 5.958% | 0 pts$0 | $1,603/moP&I $1,603 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.601%APR 6.635% | 0 pts$0 | $1,724/moP&I $1,724 · MI $0 | See details |
| Investment Property FixedConforming | 7.547%APR 7.586% | 0 pts$0 | $1,896/moP&I $1,896 · 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 | 5.910% | 5.958% | 0 pts ($0) | $2,265/mo | $44,794 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.933% | 5.983% | 0 pts ($0) | $2,835/mo | $62,798 |
Condo 10% Down | 10% | 720 credit score | 7.065% | 7.230% | 0 pts ($0) | $2,034/mo | $71,142 |
Conventional 10% Down | 10% | 720 credit score | 6.540% | 6.693% | 0 pts ($0) | $1,928/mo | $66,338 |
Conventional 20% Down | 20% | 740 credit score | 6.849% | 6.883% | 0 pts ($0) | $1,769/mo | $54,595 |
Conventional 5% Down | 5% | 700 credit score | 6.972% | 7.448% | 0 pts ($0) | $2,127/mo | $74,195 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.292% | 7.329% | 0 pts ($0) | $2,312/mo | $79,332 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,997/mo | $67,663 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.752% | 7.125% | 0 pts ($0) | $2,124/mo | $76,533 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.601% | 6.635% | 0 pts ($0) | $2,155/mo | $72,304 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,785/mo | $66,394 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.980% | 6.748% | 0 pts ($0) | $1,982/mo | $69,510 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,045/mo | $71,577 |
FHA Streamline Refi | 0% | 640 credit score | 6.110% | 6.880% | 0 pts ($0) | $2,083/mo | $73,372 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.946% | 7.188% | 0 pts ($0) | $2,121/mo | $76,829 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,111/mo | $41,336 |
Investment Property 25% Down | 25% | 740 credit score | 7.547% | 7.586% | 0 pts ($0) | $1,778/mo | $56,511 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,819/mo | $56,841 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,962/mo | $60,166 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.350% | 7.124% | 0 pts ($0) | $2,062/mo | $73,196 |
Second Home 10% Down | 10% | 720 credit score | 5.995% | 6.567% | 0 pts ($0) | $1,820/mo | $61,359 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,775/mo | $54,880 |
VA 0% Down | 0% | 700 credit score | 5.977% | 6.219% | 0 pts ($0) | $2,062/mo | $67,921 |
VA Cash-Out Refi | 0% | 640 credit score | 5.984% | 6.349% | 0 pts ($0) | $2,063/mo | $67,994 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.999% | 6.149% | 0 pts ($0) | $2,067/mo | $68,149 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,857/mo | $58,747 |
Frequently Asked Questions
What are today's mortgage rates in 99131, , WA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 99131, , WA is 6.849% (with an estimated monthly payment of $2,873). Active program rates also include FHA 30-year fixed loans at 5.980% and VA 0%-down fixed loans at 5.977%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 99131, , WA?
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 99131, , WA have fluctuated between a low of 6.470% and a high of 6.931%. 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 99131, , WA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $337,462 in 99131, , WA, a standard 20%-down Conventional loan requires an upfront cash down payment of $67,492 but keeps your monthly payment lower at $2,873/mo (at 6.849% interest) with no monthly PMI. In comparison, an FHA loan requires only $11,811 (3.5% down) but has an estimated payment of $3,220/mo (at 5.980% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $325,651 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 99131 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 99131 is $806,501. With a typical local home value of $337,462 in , a standard 20%-down mortgage requires a loan size of $269,970. 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 99131, , WA impact estimated mortgage payments?
The median home value in 99131, , WA is estimated at $337,462. Buying a typical home here with a standard 20% down payment ($67,492) translates to an estimated starting monthly mortgage payment of $2,873 (principal and interest). Compared to the local area median household income of $50,481 ($4,207/mo), this basic housing payment represents approximately 68.3% 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.