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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 | 6.874%APR 6.909% | 0 pts$0 | $2,378/moP&I $2,378 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.012%APR 6.781% | 0 pts$0 | $2,380/moP&I $2,211 · MI $169 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.958%APR 6.008% | 0 pts$0 | $2,161/moP&I $2,161 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.836%APR 6.872% | 0 pts$0 | $2,369/moP&I $2,369 · MI $0 | See details |
| Investment Property FixedConforming | 7.592%APR 7.633% | 0 pts$0 | $2,554/moP&I $2,554 · 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 | 5.958% | 6.008% | 0 pts ($0) | $3,046/mo | $60,565 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.934% | 5.984% | 0 pts ($0) | $3,802/mo | $84,215 |
Condo 10% Down | 10% | 720 credit score | 7.111% | 7.278% | 0 pts ($0) | $2,740/mo | $95,954 |
Conventional 10% Down | 10% | 720 credit score | 6.573% | 6.728% | 0 pts ($0) | $2,594/mo | $89,353 |
Conventional 20% Down | 20% | 740 credit score | 6.874% | 6.909% | 0 pts ($0) | $2,378/mo | $73,476 |
Conventional 5% Down | 5% | 700 credit score | 6.994% | 7.471% | 0 pts ($0) | $2,858/mo | $99,769 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.320% | 7.358% | 0 pts ($0) | $3,108/mo | $106,753 |
Conventional High Balance | 10% | 740 credit score | 7.001% | 7.034% | 0 pts ($0) | $2,710/mo | $92,161 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.784% | 7.159% | 0 pts ($0) | $2,857/mo | $103,042 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.836% | 6.872% | 0 pts ($0) | $2,961/mo | $100,151 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,734/mo | $89,024 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.012% | 6.781% | 0 pts ($0) | $2,667/mo | $93,628 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,741/mo | $95,973 |
FHA Streamline Refi | 0% | 640 credit score | 6.176% | 6.948% | 0 pts ($0) | $2,813/mo | $99,294 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.968% | 7.211% | 0 pts ($0) | $2,851/mo | $103,301 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,831/mo | $55,425 |
Investment Property 25% Down | 25% | 740 credit score | 7.592% | 7.633% | 0 pts ($0) | $2,394/mo | $76,233 |
Jumbo Conforming | 20% | 760 credit score | 7.003% | 7.035% | 0 pts ($0) | $2,409/mo | $74,884 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,631/mo | $80,673 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.384% | 7.160% | 0 pts ($0) | $2,774/mo | $98,598 |
Second Home 10% Down | 10% | 720 credit score | 6.036% | 6.610% | 0 pts ($0) | $2,451/mo | $82,775 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,380/mo | $73,585 |
VA 0% Down | 0% | 700 credit score | 6.007% | 6.250% | 0 pts ($0) | $2,773/mo | $91,488 |
VA Cash-Out Refi | 0% | 640 credit score | 6.018% | 6.385% | 0 pts ($0) | $2,777/mo | $91,641 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.041% | 6.192% | 0 pts ($0) | $2,783/mo | $91,961 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,490/mo | $78,770 |
Frequently Asked Questions
What are today's mortgage rates in Prairie School District RE-11, CO across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Prairie School District RE-11, CO is 6.874% (with an estimated monthly payment of $2,491). Active program rates also include FHA 30-year fixed loans at 6.012% and VA 0%-down fixed loans at 6.007%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Prairie School District RE-11, CO?
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 Prairie School District RE-11, CO have fluctuated between a low of 6.496% and a high of 6.957%. 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 Prairie School District RE-11, CO?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $452,482 in Prairie School District RE-11, CO, a standard 20%-down Conventional loan requires an upfront cash down payment of $90,496 but keeps your monthly payment lower at $2,491/mo (at 6.874% interest) with no monthly PMI. In comparison, an FHA loan requires only $15,837 (3.5% down) but has an estimated payment of $2,794/mo (at 6.012% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $436,645 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 Prairie School District RE-11 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Prairie School District RE-11 is $806,501. With a typical local home value of $452,482 in , a standard 20%-down mortgage requires a loan size of $361,986. 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 Prairie School District RE-11, CO impact estimated mortgage payments?
The median home value in Prairie School District RE-11, CO is estimated at $452,482. Buying a typical home here with a standard 20% down payment ($90,496) translates to an estimated starting monthly mortgage payment of $2,491 (principal and interest). Compared to the local area median household income of $101,673 ($8,473/mo), this basic housing payment represents approximately 29.4% 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.