VA 30-Year mortgage rates
Average 30-year fixed 6.49% · Updated July 9, 2026 · Freddie Mac (FRED)
For eligible veterans and active-duty buyers, the VA loan is usually the best deal available: zero down, no monthly mortgage insurance, and the lowest average rates of any program.
A one-time VA funding fee — waived for veterans with a service-connected disability rating — replaces mortgage insurance. Even financed into the loan, the VA structure typically beats FHA and conventional on total cost, which is reflected in its high nationwide approval rate.
Lender experience varies widely, so ask directly how many VA loans a loan officer closes; appraisal and eligibility rules reward specialists.
VA 30-Year rate FAQ
What is the current va 30-year rate?
As of July 9, 2026, the national average va 30-year rate is about 6.20%. On a $400,000 loan that works out to roughly $2,450 a month in principal and interest over 30 years.
Averages assume a well-qualified borrower — your quote depends on credit, down payment and lender.
Why is my quoted rate different from the average?
National averages assume strong credit, a solid down payment and a single-family primary home. Lower scores, smaller down payments, condos, second homes and cash-out all add pricing adjustments, so the average is a benchmark for judging quotes — not a promise.
Rates shown are national weekly averages for general guidance, not an offer or personalized quote. Payment estimates assume the down payment noted plus estimated taxes and insurance. Confirm current pricing with a licensed lender.