Mortgage rates in Virginia
30-yr fixed 7.18% · Freddie Mac PMMS, week of Nov 5, 2026 · APR benchmark 7.19% (APOR for locks from Nov 9, 2026) · Last reviewed Oct 18, 2026 by the Editorial Team
Northern Virginia’s federal-adjacent economy supports high home values.
Mortgage rates today by loan type
These are national averages. Lenders in Virginia price off the same national market, so treat them as a benchmark: your quote depends on your credit, down payment, loan size and points. The APR benchmark folds in typical points and fees, so it shows what a prime borrower's APR looks like this week.
| Loan type | Avg rate | APR benchmarkAPOR | Source · as of | What it measures |
|---|---|---|---|---|
| 30-year fixed | 7.18% | 7.19% | Freddie Mac PMMSNov 5, 2026 | Conventional purchase loans, 20% down, strong credit; weekly survey |
| 20-year fixed | 6.66% | 6.93% | Zillow (via NerdWallet)Nov 6, 2026 | Lender-quoted average; checked by hand every two weeks |
| 15-year fixed | 6.57% | 6.67% | Freddie Mac PMMSNov 5, 2026 | Conventional purchase loans, 20% down, strong credit; weekly survey |
| 10-year fixed | 6.31% | 6.82% | Zillow (via NerdWallet)Nov 6, 2026 | Lender-quoted average; checked by hand every two weeks |
| 5-year ARM | 6.73% | 6.67% | Zillow (via NerdWallet)Nov 6, 2026 | Fixed for 5 years, then adjusts; APOR = prime ARM benchmark |
| 7-year ARM | — | 6.50% | APOR, locks from Nov 9, 2026 | No free rate series; APOR benchmark only |
| 10-year ARM | — | 6.63% | APOR, locks from Nov 9, 2026 | No free rate series; APOR benchmark only |
| FHA 30-year | 6.89% | — | Optimal Blue OBMMINov 5, 2026 | Locked FHA loans, all credit profiles; daily |
| VA 30-year | 6.71% | — | Optimal Blue OBMMINov 5, 2026 | Locked VA loans; daily |
| USDA 30-year | 6.86% | — | Optimal Blue OBMMINov 5, 2026 | Locked USDA loans; daily |
| Jumbo 30-year | 7.25% | — | Optimal Blue OBMMINov 5, 2026 | Locked loans above the conforming limit; daily |
APR benchmark = FFIEC/CFPB Average Prime Offer Rate for rate locks in the week starting Nov 9, 2026 (published in advance): a prime borrower's APR including typical points and fees. It is not a quote; your APR depends on credit, down payment and the points you pay. APOR is not published for FHA, VA, USDA or jumbo loans.
Calculate your Virginia mortgage payment
The calculator starts from Virginia's median list price, 20% down, the state's 0.73% effective property tax, its median insurance premium and its average closing costs. Switch to FHA or VA, change the down payment, or pick your county to set its conforming limit. For the month-by-month split of principal and interest, open the amortization table. To see how Virginia's property tax and insurance compare with every other state, try the PITI calculator by state.
Virginia vs. the U.S.
Virginia's median list price is 8% above the U.S. median, so at the same 7.18% rate the principal and interest on a 20%-down loan runs $190 a month more. Five-year price growth here was the 23rd-fastest of 51 jurisdictions.
| Measure | Virginia | U.S. |
|---|---|---|
| Median list priceRealtor.com, Oct 2026 | $450,000 | $415,000 |
| Principal + interest, 20% down30-yr avg 7.18% | $2,439 | $2,249 |
| Average home-purchase loanHMDA 2025 | $451,756 | $404,828 |
| Average closing costsincl. transfer taxes | $6,817 | $4,661 |
| Median conventional rate paid2025 purchase loans | 6.50% | 6.50% |
| Mortgage approval rateHMDA 2025 | 78.9% | 76.6% |
| Home values, 1 yearFHFA index, Q2 2026 | +3.8% | +3.0% |
| Home values, 5 yearsFHFA index, Q2 2026 | +44.1% | +41.3% |
What Virginia borrowers actually paid in 2025
This is the state-specific part. Federal HMDA records show the rate and costs on every Virginia home-purchase loan closed in 2025. We compare like with like: 30-year fixed, first-lien, one-unit primary homes. On conventional loans, Virginia borrowers paid right at the market benchmark at lock, the 19th-lowest of all 50 states and the District of Columbia.
| 2025 purchase loans | Median rateVA · U.S. | Over benchmarkVA · U.S. | Closing costsVA · U.S. | Paid pointsshare of loans | Median downequity on refis · VA |
|---|---|---|---|---|---|
| Conventional 30-yr fixed (conforming, 20%+ down)20,855 loans | 6.50%6.50% | ±0.00+0.02 | $5,410$5,476 | 52.0%53.2% | 25% |
| Jumbo 30-yr fixed (20%+ down)630 loans | 6.50%6.63% | −0.07+0.00 | $9,010$10,251 | 42.1%38.4% | 20% |
| FHA 30-yr fixed12,035 loans | 6.25%6.25% | +0.49+0.42 | $11,813$11,291 | 62.8%59.3% | 3.5% |
| VA 30-yr fixed18,024 loans | 6.20%6.13% | −0.33−0.36 | $8,477$6,554 | 54.0%59.3% | 0% |
| Conventional rate-and-term refinance4,172 loans | 6.13%6.38% | −0.11−0.06 | $4,512$4,390 | 45.5%45.4% | 30.7% |
Source: 2025 HMDA loan-level records (FFIEC/CFPB), medians. "Over benchmark" = rate spread, the APR minus APOR on the lock date, which removes the effect of when each loan locked. Closing costs = total loan costs on the Closing Disclosure. HMDA has no credit scores, so these are what borrowers paid, not what you will be offered. See the lenders active in Virginia and what their borrowers paid.
Virginia's biggest conventional lenders: what their borrowers paid
The 8 largest conventional lenders in Virginia by 2025 purchase loans, out of 745 that made one. Each row is the median for that lender's comparable loans here: 30-year fixed, conforming, 20% or more down. A lower figure over the benchmark means cheaper pricing for the same week.
| Lender | 2025 loansshare in VA | Median rate | Over benchmark | Originationmedian | Paid pointsshare · median | Median down |
|---|---|---|---|---|---|---|
| Rocket Mortgage | 3,0334.8% | 6.50% | −0.05 | $3,012 | 57%$2,920 | 25% |
| United Wholesale Mortgage | 2,4593.9% | 6.50% | −0.02 | $3,912 | 44%$1,992 | 21.9% |
| Atlantic Coast Mortgage, LLC | 1,8572.9% | 6.63% | +0.02 | $2,051 | 52%$2,940 | 25% |
| Atlantic Bay Mortgage Group, L.L.C. | 1,8102.9% | 6.63% | +0.14 | $2,716 | 68%$2,500 | 25% |
| First Heritage Mortgage, LLC | 1,7262.7% | 6.48% | −0.09 | $2,179 | 51%$4,130 | 25% |
| Truist | 1,6022.5% | 6.38% | −0.27 | $1,431 | 54%$1,136 | 25.1% |
| Movement Mortgage | 1,5772.5% | 6.13% | −0.04 | $3,051 | 73%$2,324 | 24.6% |
| Navy Federal Credit Union | 1,5122.4% | 6.38% | −0.23 | $0 | 15%$2,696 | 27.6% |
Source: 2025 HMDA loan-level records (FFIEC/CFPB), lenders with at least 30 comparable loans in Virginia. Minimum credit scores are not shown here: conventional loans usually start at 620 (a lender floor; Fannie Mae's automated underwriting sets none), FHA 580 (500 with 10% down), VA none set by VA (lenders often 620). HMDA has no credit scores, so a lender's medians reflect its own mix of borrowers. FHA and VA lenders: Virginia lender rankings.
How rates have moved
Weekly national averages over the past 30 days to 5 years. The 30- and 15-year lines are Freddie Mac average rates; the ARM lines are the APOR APR benchmark, because no free weekly ARM rate series exists.
- Now
- 7.18%
- Nov 5, 2026
- 1 week ago
- 7.24%
- −0.06 pts
- 1 month ago
- 7.40%
- −0.22 pts
- 1 year ago
- 6.22%
- +0.96 pts
30-year fixed: Freddie Mac PMMS (rate), weekly. National series.
What a mortgage costs in Virginia
On a home at Virginia's median list price of $450,000 with 20% down, the financed amount is $360,000, or about $2,439 a month in principal and interest at the 7.18% 30-year average.
What makes Virginia different is the cost around the loan. Its 0.73% effective property-tax rate adds roughly $274 a month, and homeowners insurance — at the state's median 0.31% of home value — about $115 more, bringing the all-in estimate to $2,828. That figure is principal and interest at the 30-year average, property tax and insurance; at 20% down a conventional loan has no PMI, and HOA dues or local special assessments are not included. Your own price and down payment will move the number — work backward from your income with the how-much-house calculator.
Payment at the $450,000 median list price by down payment and loan type
| Loan | Rate | Monthlyall-in | Mortgage ins. | Cash to close | Income needed28% rule · yearly |
|---|---|---|---|---|---|
| Conventional, 20% downNo PMI | 7.18%Freddie Mac 30-yr avg | $2,828P&I $2,439 | — | $96,817 | $121,000 |
| Conventional, 10% downPMI est. 0.7%/yr | 7.18%Freddie Mac 30-yr avg | $3,369P&I $2,744 | $236 | $51,817 | $144,000 |
| Conventional, 5% downPMI est. 0.7%/yr | 7.18%Freddie Mac 30-yr avg | $3,534P&I $2,896 | $249 | $29,317 | $151,000 |
| Conventional, 3% downPMI est. 0.7%/yr | 7.18%Freddie Mac 30-yr avg | $3,601P&I $2,957 | $255 | $20,317 | $154,000 |
| FHA, 3.5% down1.75% upfront MIP financed + annual MIP | 6.89%OBMMI FHA avg | $3,495P&I $2,907 | $199 | $22,567 | $150,000 |
| VA, 0% down2.15% funding fee financed; no monthly MI | 6.71%OBMMI VA avg | $3,358P&I $2,969 | — | $6,817 | $144,000 |
Monthly = principal and interest + property tax (0.73% effective) + homeowners insurance (about $115/mo — Virginia's median premium, 0.31% of home value) + mortgage insurance. HOA dues and local special assessments are not included. Cash to close = down payment + Virginia's average closing costs ($6,817). PMI is an illustrative 0.7% a year; FHA and VA figures use HUD's MIP schedule and VA's first-use funding fee. Income needed = the gross yearly income at which the monthly figure is 28% of pay, the classic housing-cost guideline. Lenders also limit your total monthly debts as a share of income, so car, student-loan and card payments raise the income you need.
Prices, loan limits and payments in Virginia's biggest counties
Home prices, and so the loan you need, vary more inside Virginia than rates do. The table covers the largest county markets and the high-cost counties where the conforming limit is higher. Pick a row to load it into the calculator above.
| County | Median list priceSep 2026 · yr/yr | Avg purchase loanHMDA 2025 | Conforming limitmax price at 20% down | At 20% down | Est. paymentP&I + tax + ins. | Calculator |
|---|---|---|---|---|---|---|
| Fairfax County2,456 homes for sale · Sep 2026 | $724,900-9.3% | $712,80010,740 loans | $1,249,125$1,561,406 | Conforming$579,920 loan | $4,555at 7.18% | |
| Virginia Beach City1,125 homes for sale · Sep 2026 | $487,000+7.4% | $415,2475,715 loans | $832,750$1,040,937 | Conforming$389,600 loan | $3,060at 7.18% | |
| Chesterfield County1,091 homes for sale · Sep 2026 | $453,475+1.7% | $403,6505,631 loans | $832,750$1,040,937 | Conforming$362,780 loan | $2,849at 7.18% | |
| Prince William County977 homes for sale · Sep 2026 | $599,9950% | $544,3655,089 loans | $1,249,125$1,561,406 | Conforming$479,996 loan | $3,770at 7.18% | |
| Loudoun County970 homes for sale · Sep 2026 | $782,450-2.2% | $671,0315,508 loans | $1,249,125$1,561,406 | Conforming$625,960 loan | $4,917at 7.18% | |
| Chesapeake City769 homes for sale · Sep 2026 | $487,250-0.4% | $397,0883,639 loans | $832,750$1,040,937 | Conforming$389,800 loan | $3,062at 7.18% | |
| Henrico County681 homes for sale · Sep 2026 | $427,475+5.5% | $495,0734,231 loans | $832,750$1,040,937 | Conforming$341,980 loan | $2,686at 7.18% | |
| Norfolk City631 homes for sale · Sep 2026 | $349,900+4.5% | $336,1173,016 loans | $832,750$1,040,937 | Conforming$279,920 loan | $2,199at 7.18% | |
| Albemarle County610 homes for sale · Sep 2026 | $596,870-17.2% | $540,9231,224 loans | $832,750$1,040,937 | Conforming$477,496 loan | $3,751at 7.18% | |
| Arlington County571 homes for sale · Sep 2026 | $619,648-22.5% | $924,0181,915 loans | $1,249,125$1,561,406 | Conforming$495,718 loan | $3,894at 7.18% | |
| Suffolk City507 homes for sale · Sep 2026 | $464,900+5.7% | $395,8681,798 loans | $832,750$1,040,937 | Conforming$371,920 loan | $2,921at 7.18% | |
| Stafford County502 homes for sale · Sep 2026 | $595,750-0.6% | $509,9952,090 loans | $1,249,125$1,561,406 | Conforming$476,600 loan | $3,743at 7.18% | |
| Spotsylvania County480 homes for sale · Sep 2026 | $549,900-1.5% | $449,4492,270 loans | $1,249,125$1,561,406 | Conforming$439,920 loan | $3,455at 7.18% | |
| Alexandria City429 homes for sale · Sep 2026 | $534,950+6.5% | $717,3031,789 loans | $1,249,125$1,561,406 | Conforming$427,960 loan | $3,361at 7.18% | |
| Fauquier County287 homes for sale · Sep 2026 | $772,975-0.3% | $563,740913 loans | $1,249,125$1,561,406 | Conforming$618,380 loan | $4,857at 7.18% |
Sources: Realtor.com county research data (median listing price, Sep 2026); FHFA 2026 one-unit conforming limits; 2025 HMDA home-purchase originations (average loan, all loan types). Payments use the 30-year average (7.18%, or the jumbo average 7.25% above the limit), Virginia's 0.73% effective property tax and its median insurance premium (0.31% of value), both from Census ACS 2024 data; county tax rates differ. Max price at 20% down = the county limit ÷ 0.8, the highest price at which a 20%-down loan stays conforming. Homes for sale = active Realtor.com listings in the month, excluding pending sales.
What's different about buying a home in Virginia
Rates are national, but the rules around the loan are not. These Virginia specifics can change your payment, your closing or your protections as a borrower.
Buyers choose the settlement agent in Virginia
Virginia gives the purchaser or borrower the right to select the settlement agent that handles escrow and closing, and a seller cannot require a particular agent as a condition of the sale. That lets buyers compare closing-service providers instead of accepting the seller's pick.
Source: law.lis.virginia.govOwner-occupied homes get 60 days' foreclosure notice
Virginia home loans are typically secured by a deed of trust, and a default can lead to a sale by the trustee. For owner-occupied homes, the owner must be mailed notice at least 60 days before the sale (14 days for other deeds of trust), showing the amount in arrears and HUD counseling resources.
Source: law.lis.virginia.govVirginia's seller disclosure is a buyer-beware form
Virginia's statutory seller disclosure is a buyer-beware form: the owner makes no representations or warranties about the home's condition. Buyers are told to arrange their own inspection, survey, zoning check and other due diligence under the contract's terms, but in any event before settlement.
Source: law.lis.virginia.govSellers must disclose repetitive flood-loss history
A Virginia owner who actually knows a home is a "repetitive risk loss" structure must tell the buyer. The law defines that as two or more National Flood Insurance Program claims over $1,000 paid within a rolling 10-year period since 1978. It covers only what the owner knows, so buyers can still ask.
Source: law.lis.virginia.govLocalities must offset reassessment gains with lower rates
If reassessment would raise a Virginia county, city or town's total real estate tax levy by 1% or more, it must cut its rate to collect no more than 101% of last year's levy, unless it holds a public hearing and raises the rate. Individual bills can still rise or fall; new construction is excluded.
Source: law.lis.virginia.govChecked against official sources on October 19, 2026. Laws and programs change; confirm details with the agency named or a local real estate attorney.
How Virginia buyers finance their homes
VA loans are where Virginia stands out: they made up 16.7% of home loans originated here in 2025, against 8.2% nationally — the 2nd-highest VA share of any state. Lenders, agents and appraisers here handle VA deals routinely, which helps if that is the loan you need.
| Loan type | Share in VA | U.S. share | Approval in VA | Avg loan in VA |
|---|---|---|---|---|
| Conventional | 71.2% | 78.0% | 77.5% | $369,119 |
| FHA | 11.6% | 13.2% | 77.6% | $339,290 |
| VA | 16.7% | 8.2% | 86.1% | $471,867 |
| USDA | 0.5% | 0.6% | 90.4% | $223,879 |
The average Virginia home loan in 2025 was $382,118 — 8% above the U.S. average of $352,861, the 11th-largest of 51 jurisdictions. Home purchases accounted for 63.0% of those loans (U.S. 64.2%); cash-out refinances for 17.7% (U.S. 17.1%).
Source: 2025 HMDA originations, FFIEC/CFPB. Approval = originated ÷ (originated + denied).
Virginia loan limits for 2026
18 of Virginia's 133 counties are high-cost areas for 2026, with one-unit conforming limits above the $832,750 baseline — highest in Arlington County ($1,249,125), Clarke County ($1,249,125), Culpeper County ($1,249,125). Everywhere else in the state the cap is $832,750, so the same loan amount can be conforming in one county and jumbo in the next. See the full national grid in our 2026 conforming limits table, and if you are over the line, what changes with jumbo mortgage rates.
County limits: FHFA 2026 conforming loan limit list (one-unit properties; two- to four-unit limits are higher).
Cash you'll need to close in Virginia
Average closing costs in Virginia are about $6,817 including transfer taxes (among the highest in the country). On a home at the median list price of $450,000:
| 20% down | 3% down | |
|---|---|---|
| Down payment | $90,000 | $13,500 |
| Average closing costs | $6,817 | $6,817 |
| Cash to close (estimate) | $96,817 | $20,317 |
Prepaid taxes and insurance are extra. Closing-cost averages by state (source: Bankrate).
Transfer taxes and recording rules in Virginia
Virginia charges a state recordation tax of $0.25 per $100 on the deed and another $0.25 per $100 on the deed of trust securing your mortgage, and cities and counties may add a third of that again. Sellers pay a separate grantor's tax of $0.50 per $500. Source: law.lis.virginia.gov
Getting approved in Virginia
Federal HMDA lending records show Virginia lenders originated 203,054 home loans in 2025 and denied 54,385 applications — an approval rate near 78.9% among decisioned applications, against 76.6% nationwide. See how all 50 states compare in our state approval-rate study, and how Virginia ranks for mortgage complaint patterns (14,763 on record).
Shopping for a loan? See the most active mortgage lenders in Virginia, ranked by federal HMDA volume.
Down-payment help in Virginia
You rarely need 20% down. These are the main programs from Virginia Housing, Virginia's housing finance agency; they are offered through participating lenders, usually alongside the agency's own first mortgage.
Down Payment Assistance Grant
A grant — never repaid — of up to 2.5% of the price with a Virginia Housing FHA bond loan or 2% with a conventional bond loan, for first-time buyers (waived in targeted areas) who put down at least 1%.
Source: virginiahousing.comPlus Second Mortgage
A 30-year fixed second mortgage that can cover the whole down payment — up to 3.5% (5% with a 680 score) on FHA loans or 3% (4.5%) on conventional — for first-time and repeat buyers.
Source: virginiahousing.comChecked against official sources on October 9, 2026. Assistance amounts, income limits and funding change during the year — confirm current terms with Virginia Housing or a participating lender.
Mortgage credit certificates in Virginia: suspended since May 1, 2023
Virginia Housing's MCC program has been suspended since May 1, 2023. Which states still issue MCCs.
Check current terms at Virginia Housing, see how a smaller down payment changes your number with the down payment tool, or compare first-time buyer programs nationwide.
How these numbers are measured
- Freddie Mac PMMS (30- and 15-year): a weekly average of rates offered to borrowers with 20% down and strong credit, published Thursdays; latest week Nov 5, 2026. Points are not reported.
- Optimal Blue OBMMI (FHA, VA, USDA, jumbo): daily averages of rates actually locked, across credit profiles. Points vary by loan.
- APOR (APR benchmark): FFIEC/CFPB's weekly Average Prime Offer Rate, an APR that includes typical points and fees for a prime borrower. Regulators use it to flag higher-priced loans.
- HMDA 2025 (Virginia vs U.S.): rates, costs, points and down payments on loans that actually closed, reported by lenders to federal regulators. Updated once a year.
- Census ACS 2024 (property tax and insurance): what homeowners with a mortgage in Virginia reported paying — the median real-estate tax divided by the median home value, and the median insurance premium as a share of value. Updated once a year.
- Interest rate vs APR: the rate sets your payment; the APR adds points and lender fees spread over the loan. Compare APRs on Loan Estimates for the same day and loan type.
Rates and APOR refresh every week; HMDA, loan limits and closing-cost averages refresh when their publishers release new data. Reviewed by our editors. Full sources and formulas: how we source our data.
Virginia mortgage FAQ
What is a good mortgage rate in Virginia right now?
A 30-year fixed close to the national average of 7.18% (Freddie Mac, week of Nov 5, 2026) is a fair benchmark for a borrower with strong credit and 20% down. In 2025, Virginia's conventional buyers paid a median 6.50%.
Quotes well above that usually reflect lower credit, a small down payment or lender credits taken in exchange for a higher rate.
Are mortgage rates higher in Virginia than in other states?
No, if anything slightly lower, once timing and fees are counted. In 2025 HMDA records, Virginia's median conventional 30-year rate was 6.50%, against 6.50% nationally.
Against the benchmark for each loan's lock week, which counts points and fees, Virginia loans priced right at it (the 19th-lowest of all 50 states and the District of Columbia), against 0.02 above nationally.
Rates are set mainly in one national market, so your credit, down payment and loan size matter more.
What are current jumbo mortgage rates in Virginia?
The national jumbo 30-year average is 7.25% (Optimal Blue). In 2025, Virginia's jumbo buyers paid a median 6.50%. A loan is jumbo above the $832,750 conforming limit, or above $1,249,125 in Virginia's highest-cost counties.
Jumbo lenders typically want 10–20% down, a 700+ credit score and 6–12 months of reserves.
Should I choose a 15-year or 30-year mortgage?
On a $360,000 loan (20% down on Virginia's median list price), a 30-year at 7.18% costs $2,439 a month and a 15-year at 6.57% costs $3,150.
The 15-year saves about $310,981 in interest but needs $711 more a month, so it fits only if that payment is comfortable.
How much does a 1% difference in mortgage rates change my monthly payment?
On a $360,000 loan (20% down on Virginia's median list price), moving from 7.18% to 8.18% raises the principal-and-interest payment from $2,439 to $2,687, or $248 a month.
Over 30 years that is about $89,316 more in interest, which is why comparing several lenders on the same day matters.
Are mortgage rates different for purchase and refinance loans?
Yes, slightly. In 2025, Virginia's conventional rate-and-term refinances closed at a median 6.13% and purchases at 6.50%, partly because refinances bunch up when rates dip. Refinances priced 0.11 percentage points below the market benchmark; cash-out refinances usually cost more. Your own pricing depends on credit, loan-to-value and points.
How much is a $400,000 mortgage at 7.18% interest?
About $2,710 a month in principal and interest over 30 years. In Virginia, a $500,000 home with that loan adds roughly $304 a month in property tax at the 0.73% effective rate, plus homeowners insurance. Over 30 years the loan costs about $575,506 in interest.
How much income do I need to buy a home in Virginia?
About $121,000 a year for a home at the $450,000 median list price with 20% down, if the full $2,828 monthly payment, including tax and insurance, stays within 28% of gross income.
Smaller down payments add mortgage insurance and raise that figure; existing debts lower what lenders approve.
What down payment assistance is available in Virginia?
Virginia Housing, the state housing finance agency, runs Down Payment Assistance Grant and Plus Second Mortgage, offered through participating lenders. Help usually comes as a grant or a deferred or forgivable second loan paired with the agency's first mortgage.
Amounts, income limits and funding change during the year, so confirm current terms with Virginia Housing or a participating lender before you apply.
- Freddie Mac — Primary Mortgage Market Survey
- FFIEC / CFPB — Average Prime Offer Rates (APOR)
- FFIEC / CFPB — HMDA data browser (2025 loan-level records)
- Optimal Blue OBMMI via FRED (FHA, VA, USDA, jumbo)
- FHFA — 2026 conforming loan limits by county
- U.S. Census Bureau — 2024 American Community Survey microdata (property tax and homeowners insurance)
- HUD — Handbook 4000.1 (FHA mortgage insurance)
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.