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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 | 6.841%APR 6.871% | 0 pts$0 | $4,401/moP&I $4,401 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.963%APR 6.727% | 0 pts$0 | $4,398/moP&I $4,085 · MI $314 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.898%APR 5.940% | 0 pts$0 | $3,987/moP&I $3,987 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.567%APR 6.596% | 0 pts$0 | $4,279/moP&I $4,279 · MI $0 | See details |
| Investment Property FixedConforming | 7.499%APR 7.533% | 0 pts$0 | $4,700/moP&I $4,700 · 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 | 5.898% | 5.940% | 0 pts ($0) | $5,636/mo | $111,311 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.902% | 5.945% | 0 pts ($0) | $7,047/mo | $155,623 |
Condo 10% Down | 10% | 720 credit score | 7.042% | 7.202% | 0 pts ($0) | $5,053/mo | $176,629 |
Conventional 10% Down | 10% | 720 credit score | 6.523% | 6.672% | 0 pts ($0) | $4,792/mo | $164,804 |
Conventional 20% Down | 20% | 740 credit score | 6.841% | 6.871% | 0 pts ($0) | $4,401/mo | $135,788 |
Conventional 5% Down | 5% | 700 credit score | 6.966% | 7.437% | 0 pts ($0) | $5,293/mo | $184,613 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.267% | 7.299% | 0 pts ($0) | $5,742/mo | $196,914 |
Conventional High Balance | 10% | 740 credit score | 7.023% | 7.052% | 0 pts ($0) | $5,043/mo | $171,658 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.744% | 7.113% | 0 pts ($0) | $5,284/mo | $190,383 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.567% | 6.596% | 0 pts ($0) | $5,349/mo | $179,187 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,934/mo | $165,331 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.963% | 6.727% | 0 pts ($0) | $4,927/mo | $172,667 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,091/mo | $178,236 |
FHA Streamline Refi | 0% | 640 credit score | 6.080% | 6.846% | 0 pts ($0) | $5,170/mo | $181,936 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.940% | 7.177% | 0 pts ($0) | $5,279/mo | $191,172 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $5,257/mo | $102,932 |
Investment Property 25% Down | 25% | 740 credit score | 7.499% | 7.533% | 0 pts ($0) | $4,406/mo | $139,808 |
Jumbo Conforming | 20% | 760 credit score | 7.095% | 7.124% | 0 pts ($0) | $4,516/mo | $140,935 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,886/mo | $149,823 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.329% | 7.099% | 0 pts ($0) | $5,123/mo | $181,747 |
Second Home 10% Down | 10% | 720 credit score | 5.975% | 6.543% | 0 pts ($0) | $4,522/mo | $152,339 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,420/mo | $136,659 |
VA 0% Down | 0% | 700 credit score | 5.961% | 6.198% | 0 pts ($0) | $5,125/mo | $168,722 |
VA Cash-Out Refi | 0% | 640 credit score | 5.967% | 6.328% | 0 pts ($0) | $5,128/mo | $168,877 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.979% | 6.125% | 0 pts ($0) | $5,135/mo | $169,186 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,624/mo | $146,288 |
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 6.841% (with an estimated monthly payment of $3,381). Active program rates also include FHA 30-year fixed loans at 5.963% and VA 0%-down fixed loans at 5.961%. 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 6.445% and a high of 6.906%. 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 $840,330 in Hastings-on-Hudson, NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $168,066 but keeps your monthly payment lower at $3,381/mo (at 6.841% interest) with no monthly PMI. In comparison, an FHA loan requires only $29,412 (3.5% down) but has an estimated payment of $3,785/mo (at 5.963% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $810,918 falls comfortably within the local HUD FHA loan limit of $966,379 (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 $840,330 in , a standard 20%-down mortgage requires a loan size of $672,264. 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 $840,330. Buying a typical home here with a standard 20% down payment ($168,066) translates to an estimated starting monthly mortgage payment of $3,381 (principal and interest). Compared to the local area median household income of $190,684 ($15,890/mo), this basic housing payment represents approximately 21.3% 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.