Compare live participating lender APRs, interest rates, upfront discount points, and estimated monthly payments side by side. Request a personalized rate quote below to see options for your own finances.
todays rates — National benchmarks are not personal APR quotes. Compare the same loan term, points, lock period and fees on written Loan Estimates; the supplied snapshot is not a live offer.
Historical 2025 one-unit comparison: conforming $806,500; FHA floor $524,225. County and unit-count limits can differ.
| Loan program | Down payment / equity | 2026 one-unit baseline | Costs and page-specific comparison |
|---|---|---|---|
| Conventional | 3%–5% subject to eligibility | $832,750 | PMI generally below 20% down |
| FHA | 3.5% at 580+; 10% at 500–579 | $541,287 floor | 1.75% upfront MIP; 0.55% annual for >95% LTV, base loan ≤$726,200, term >15 years |
| VA | 0% for eligible borrowers | No VA limit with full entitlement | No monthly PMI; funding fee unless exempt |
| USDA | 0% for eligible borrowers | Income, address and repayment eligibility | Guarantee and annual fees; confirm current schedule |
| Jumbo | Lender-specific cash and reserves | Above applicable conforming limit | Lender-specific pricing and insurance |
| Home Equity / Refinance | Equity and underwriting dependent | Property and lender dependent | Compare closing costs, term and break-even |
Sources: FHFA limits; HUD FHA limits.
Mortgage rates for 2026-11-04: 30-year fixed 6.53%, 15-year fixed 5.82%. Daily market recap and live lender rate tables. | USA Mortgage Guide Read our daily bond market commentary, Freddie Mac PMMS movement analysis, 2026 FHFA ($832,750) and FHA ($541,287) loan-limit breakdown, and lock-versus-float guidance.
Snapshot recorded ; review every 7 days. Freddie Mac Primary Mortgage Market Survey (PMMS) national benchmark averages; these are historical benchmarks, not live lender rate quotes.
| Program | Note rate | Monthly P&I | Provenance |
|---|---|---|---|
| 30-Yr Fixed | 6.44% | $1,507.51 | Supplied PMMS benchmark snapshot |
| 15-Yr Fixed | 5.63% | $1,977.60 | Supplied PMMS benchmark snapshot |
| FHA 30-Yr | 6.18% | $1,466.81 | illustrative; not a PMMS series |
| VA 30-Yr | 6.12% | $1,457.49 | illustrative; not a PMMS series |
| Jumbo 30-Yr | 6.72% | $1,551.85 | illustrative; not a PMMS series |
PMMS covers conventional mortgages; FHA, VA and jumbo rows are editorial scenarios. P&I excludes taxes, insurance, fees and mortgage insurance.
Freddie Mac PMMS methodology and current conventional survey
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Illustration only: annual property taxes are 1% of home price, homeowners insurance is $1,200 per year, and private mortgage insurance (PMI) is estimated at 0.5% of the loan per year below 20% down. Actual costs and program rules vary. HOA dues are excluded.
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The interest rate sets the borrowing charge used in your payment. Annual percentage rate (APR) includes certain loan costs too, making it a broader comparison measure. Compare the same loan type and term; APR is not the rate to enter in a payment calculator.
One discount point costs 1% of your loan upfront. Paying points may lower the rate; a lender credit may cover some closing costs in exchange for a higher rate. Divide the upfront cost by monthly savings to see how long recovery takes.
A 30-year fixed loan spreads repayment over more months. A 15-year fixed usually requires a larger payment but fewer years of interest. An adjustable-rate mortgage (ARM) can change after its initial fixed period, so compare its caps and possible future payment too.
Lenders price loans using your credit history, down payment, debts and property. A stronger credit profile or larger down payment may improve an offer, but not every program works the same way.
Monthly principal and interest use P × r / (1 − (1 + r)−n), where P is the loan amount, r is the monthly note rate and n is the number of payments. At zero interest, use P / n. Add property taxes, homeowners insurance and applicable mortgage insurance to estimate the full payment. Use parcel-specific taxes and an insurance quote when comparing homes.
APR includes applicable finance charges; use the note rate, not APR, for amortization. Compare Loan Estimates with the CFPB guide.