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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 | 6.933%APR 6.966% | 0 pts$0 | $2,583/moP&I $2,583 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.959%APR 6.725% | 0 pts$0 | $2,556/moP&I $2,374 · MI $182 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.068%APR 6.115% | 0 pts$0 | $2,361/moP&I $2,361 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.889%APR 6.923% | 0 pts$0 | $2,571/moP&I $2,571 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.673% | 0 pts$0 | $2,767/moP&I $2,767 · 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 | 6.068% | 6.115% | 0 pts ($0) | $3,313/mo | $66,644 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.030% | 6.078% | 0 pts ($0) | $4,131/mo | $92,295 |
Condo 10% Down | 10% | 720 credit score | 7.231% | 7.397% | 0 pts ($0) | $2,994/mo | $105,205 |
Conventional 10% Down | 10% | 720 credit score | 6.767% | 6.923% | 0 pts ($0) | $2,857/mo | $99,054 |
Conventional 20% Down | 20% | 740 credit score | 6.933% | 6.966% | 0 pts ($0) | $2,583/mo | $80,036 |
Conventional 5% Down | 5% | 700 credit score | 7.062% | 7.539% | 0 pts ($0) | $3,107/mo | $108,684 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.362% | 7.398% | 0 pts ($0) | $3,370/mo | $115,894 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,891/mo | $97,966 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.838% | 7.212% | 0 pts ($0) | $3,102/mo | $112,038 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.889% | 6.923% | 0 pts ($0) | $3,214/mo | $108,925 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,032/mo | $96,130 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.959% | 6.725% | 0 pts ($0) | $2,864/mo | $100,338 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,960/mo | $103,633 |
FHA Streamline Refi | 0% | 640 credit score | 6.075% | 6.843% | 0 pts ($0) | $3,005/mo | $105,710 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.019% | 7.260% | 0 pts ($0) | $3,094/mo | $112,260 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,057/mo | $59,849 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.673% | 0 pts ($0) | $2,594/mo | $82,683 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.168% | 0 pts ($0) | $2,633/mo | $82,298 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,841/mo | $87,112 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.323% | 7.095% | 0 pts ($0) | $2,977/mo | $105,588 |
Second Home 10% Down | 10% | 720 credit score | 5.964% | 6.534% | 0 pts ($0) | $2,626/mo | $88,430 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,570/mo | $79,459 |
VA 0% Down | 0% | 700 credit score | 6.077% | 6.319% | 0 pts ($0) | $3,017/mo | $99,841 |
VA Cash-Out Refi | 0% | 640 credit score | 6.080% | 6.447% | 0 pts ($0) | $3,018/mo | $99,886 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.086% | 6.236% | 0 pts ($0) | $3,020/mo | $99,976 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,689/mo | $85,057 |
Frequently Asked Questions
What are today's mortgage rates in Montpelier-Roxbury Supervisory Union, VT across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Montpelier-Roxbury Supervisory Union, VT is 6.933% (with an estimated monthly payment of $2,069). Active program rates also include FHA 30-year fixed loans at 5.959% and VA 0%-down fixed loans at 6.077%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Montpelier-Roxbury Supervisory Union, VT?
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 Montpelier-Roxbury Supervisory Union, VT have fluctuated between a low of 6.554% and a high of 6.997%. 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 Montpelier-Roxbury Supervisory Union, VT?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $488,599 in Montpelier-Roxbury Supervisory Union, VT, a standard 20%-down Conventional loan requires an upfront cash down payment of $97,720 but keeps your monthly payment lower at $2,069/mo (at 6.933% interest) with no monthly PMI. In comparison, an FHA loan requires only $17,101 (3.5% down) but has an estimated payment of $2,294/mo (at 5.959% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $471,498 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 Montpelier-Roxbury Supervisory Union before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Montpelier-Roxbury Supervisory Union is $806,501. With a typical local home value of $488,599 in , a standard 20%-down mortgage requires a loan size of $390,879. 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 Montpelier-Roxbury Supervisory Union, VT impact estimated mortgage payments?
The median home value in Montpelier-Roxbury Supervisory Union, VT is estimated at $488,599. Buying a typical home here with a standard 20% down payment ($97,720) translates to an estimated starting monthly mortgage payment of $2,069 (principal and interest). Compared to the local area median household income of $82,723 ($6,894/mo), this basic housing payment represents approximately 30.0% 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.