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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 | 6.899%APR 6.931% | 0 pts$0 | $2,734/moP&I $2,734 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.034%APR 6.800% | 0 pts$0 | $2,735/moP&I $2,542 · MI $194 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.995%APR 6.040% | 0 pts$0 | $2,488/moP&I $2,488 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.860%APR 6.892% | 0 pts$0 | $2,723/moP&I $2,723 · MI $0 | See details |
| Investment Property FixedConforming | 7.597%APR 7.633% | 0 pts$0 | $2,930/moP&I $2,930 · 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 | 5.995% | 6.040% | 0 pts ($0) | $3,502/mo | $69,904 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.985% | 6.031% | 0 pts ($0) | $4,375/mo | $97,349 |
Condo 10% Down | 10% | 720 credit score | 7.142% | 7.306% | 0 pts ($0) | $3,152/mo | $110,483 |
Conventional 10% Down | 10% | 720 credit score | 6.593% | 6.745% | 0 pts ($0) | $2,981/mo | $102,757 |
Conventional 20% Down | 20% | 740 credit score | 6.899% | 6.931% | 0 pts ($0) | $2,734/mo | $84,580 |
Conventional 5% Down | 5% | 700 credit score | 7.014% | 7.488% | 0 pts ($0) | $3,285/mo | $114,719 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.325% | 7.359% | 0 pts ($0) | $3,566/mo | $122,510 |
Conventional High Balance | 10% | 740 credit score | 7.023% | 7.052% | 0 pts ($0) | $3,114/mo | $106,005 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.808% | 7.179% | 0 pts ($0) | $3,284/mo | $118,539 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.860% | 6.892% | 0 pts ($0) | $3,404/mo | $115,234 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,282/mo | $102,098 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.034% | 6.800% | 0 pts ($0) | $3,066/mo | $107,716 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,144/mo | $110,068 |
FHA Streamline Refi | 0% | 640 credit score | 6.210% | 6.979% | 0 pts ($0) | $3,237/mo | $114,416 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.985% | 7.225% | 0 pts ($0) | $3,275/mo | $118,725 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,247/mo | $63,565 |
Investment Property 25% Down | 25% | 740 credit score | 7.597% | 7.633% | 0 pts ($0) | $2,747/mo | $87,488 |
Jumbo Conforming | 20% | 760 credit score | 7.095% | 7.124% | 0 pts ($0) | $2,789/mo | $87,033 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,017/mo | $92,521 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.413% | 7.186% | 0 pts ($0) | $3,192/mo | $113,524 |
Second Home 10% Down | 10% | 720 credit score | 6.056% | 6.628% | 0 pts ($0) | $2,817/mo | $95,212 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,730/mo | $84,392 |
VA 0% Down | 0% | 700 credit score | 6.028% | 6.268% | 0 pts ($0) | $3,188/mo | $105,259 |
VA Cash-Out Refi | 0% | 640 credit score | 6.039% | 6.403% | 0 pts ($0) | $3,191/mo | $105,435 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.062% | 6.211% | 0 pts ($0) | $3,199/mo | $105,801 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,856/mo | $90,338 |
Frequently Asked Questions
What are today's mortgage rates in Hastings-on-Hudson, NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Hastings-on-Hudson, NY is 6.899% (with an estimated monthly payment of $2,437). Active program rates also include FHA 30-year fixed loans at 6.034% and VA 0%-down fixed loans at 6.028%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Hastings-on-Hudson, NY?
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 Hastings-on-Hudson, NY have fluctuated between a low of 6.495% and a high of 6.962%. 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 Hastings-on-Hudson, NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $518,936 in Hastings-on-Hudson, NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $103,787 but keeps your monthly payment lower at $2,437/mo (at 6.899% interest) with no monthly PMI. In comparison, an FHA loan requires only $18,163 (3.5% down) but has an estimated payment of $2,733/mo (at 6.034% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $500,773 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 Hastings-on-Hudson before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Hastings-on-Hudson is $806,501. With a typical local home value of $518,936 in , a standard 20%-down mortgage requires a loan size of $415,149. 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 Hastings-on-Hudson, NY impact estimated mortgage payments?
The median home value in Hastings-on-Hudson, NY is estimated at $518,936. Buying a typical home here with a standard 20% down payment ($103,787) translates to an estimated starting monthly mortgage payment of $2,437 (principal and interest). Compared to the local area median household income of $123,734 ($10,311/mo), this basic housing payment represents approximately 23.6% 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.