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 Augusta-Richmond County Consolidated Government (Balance)
We rank active Augusta-Richmond County Consolidated Government (Balance) 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 | 6.979%APR 7.017% | 0 pts$0 | $1,135/moP&I $1,135 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.100%APR 6.872% | 0 pts$0 | $1,134/moP&I $1,054 · MI $80 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.207%APR 6.262% | 0 pts$0 | $1,048/moP&I $1,048 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.994%APR 7.033% | 0 pts$0 | $1,137/moP&I $1,137 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.706% | 0 pts$0 | $1,210/moP&I $1,210 · 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 | 6.207% | 6.262% | 0 pts ($0) | $1,462/mo | $29,842 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.086% | 6.141% | 0 pts ($0) | $1,814/mo | $40,721 |
Condo 10% Down | 10% | 720 credit score | 7.294% | 7.467% | 0 pts ($0) | $1,318/mo | $46,387 |
Conventional 10% Down | 10% | 720 credit score | 6.894% | 7.056% | 0 pts ($0) | $1,266/mo | $44,067 |
Conventional 20% Down | 20% | 740 credit score | 6.979% | 7.017% | 0 pts ($0) | $1,135/mo | $35,249 |
Conventional 5% Down | 5% | 700 credit score | 7.273% | 7.762% | 0 pts ($0) | $1,388/mo | $48,836 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.410% | 7.451% | 0 pts ($0) | $1,481/mo | $51,007 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,265/mo | $42,855 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.883% | 7.261% | 0 pts ($0) | $1,363/mo | $49,292 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.994% | 7.033% | 0 pts ($0) | $1,421/mo | $48,325 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,764/mo | $42,052 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.100% | 6.872% | 0 pts ($0) | $1,272/mo | $44,782 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,295/mo | $45,334 |
FHA Streamline Refi | 0% | 640 credit score | 6.300% | 7.075% | 0 pts ($0) | $1,346/mo | $47,714 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.245% | 7.495% | 0 pts ($0) | $1,384/mo | $50,492 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,337/mo | $26,181 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.706% | 0 pts ($0) | $1,135/mo | $36,170 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.168% | 0 pts ($0) | $1,152/mo | $36,001 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,243/mo | $38,107 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.470% | 7.248% | 0 pts ($0) | $1,322/mo | $47,118 |
Second Home 10% Down | 10% | 720 credit score | 6.104% | 6.682% | 0 pts ($0) | $1,166/mo | $39,493 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,124/mo | $34,759 |
VA 0% Down | 0% | 700 credit score | 6.119% | 6.365% | 0 pts ($0) | $1,326/mo | $43,951 |
VA Cash-Out Refi | 0% | 640 credit score | 6.124% | 6.496% | 0 pts ($0) | $1,326/mo | $43,984 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.132% | 6.286% | 0 pts ($0) | $1,328/mo | $44,036 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,176/mo | $37,208 |
Frequently Asked Questions
What are today's mortgage rates in Augusta-Richmond County consolidated government (balance), GA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Augusta-Richmond County consolidated government (balance), GA is 6.979% (with an estimated monthly payment of $1,271). Active program rates also include FHA 30-year fixed loans at 6.100% and VA 0%-down fixed loans at 6.119%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Augusta-Richmond County consolidated government (balance), GA?
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 Augusta-Richmond County consolidated government (balance), GA have fluctuated between a low of 6.851% and a high of 7.090%. 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 Augusta-Richmond County consolidated government (balance), GA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $213,737 in Augusta-Richmond County consolidated government (balance), GA, a standard 20%-down Conventional loan requires an upfront cash down payment of $42,747 but keeps your monthly payment lower at $1,271/mo (at 6.979% interest) with no monthly PMI. In comparison, an FHA loan requires only $7,481 (3.5% down) but has an estimated payment of $1,423/mo (at 6.100% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $206,256 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 Augusta-Richmond County consolidated government (balance) before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Augusta-Richmond County consolidated government (balance) is $806,501. With a typical local home value of $213,737 in , a standard 20%-down mortgage requires a loan size of $170,990. 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 Augusta-Richmond County consolidated government (balance), GA impact estimated mortgage payments?
The median home value in Augusta-Richmond County consolidated government (balance), GA is estimated at $213,737. Buying a typical home here with a standard 20% down payment ($42,747) translates to an estimated starting monthly mortgage payment of $1,271 (principal and interest). Compared to the local area median household income of $55,988 ($4,666/mo), this basic housing payment represents approximately 27.2% 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.