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.
Historical one-unit baselines, not current offers. County limits, eligibility and lender overlays vary; confirm current rules with FHFA, HUD, VA, USDA and your lender.
| Loan Program | Typical Min. Credit Score | Min. Down Payment / Equity | 2025 Baseline Limit | Mortgage Insurance / Fee | Best Fit Profile |
|---|---|---|---|---|---|
| 30-Year Fixed Conventional | 620+ typical | 3%-5% down | $806,500 | PMI usually below 20% down | Long-term payment stability |
| 15-Year Fixed Conventional | 620+ typical | 3%-5% down; lender dependent | $806,500 | PMI usually below 20% down | Faster payoff; higher monthly payments |
| FHA Fixed Mortgage | 580+ for 3.5% down | 3.5%; 10% for scores 500-579 if approved | $524,225 floor | Upfront and annual mortgage insurance | Lower credit or limited savings |
| VA Home Loan | No VA minimum; lenders often 620+ | 0% for eligible borrowers | No VA limit with full entitlement | No monthly PMI; funding fee unless exempt | Eligible veterans and service members |
| USDA Guaranteed Loan | 640 typical automated underwriting | 0% for eligible borrowers | No fixed nationwide loan limit; income and repayment limits | Upfront guarantee and annual fees | Eligible rural homes and income-qualified borrowers |
| Home Equity Loan / HELOC | 620-680+; lender dependent | Typically retain 15%-20% equity | Lender and property dependent | Usually no PMI; closing and other fees vary | Existing owners accessing equity |
Compare current APRs, points, fees, and estimated monthly payments from participating lenders below.
Enter valid values within the displayed limits.
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.
Compare current APRs, points, fees, and estimated monthly payments from participating lenders below.
Answer a few quick questions below to compare personalized loan options and live rate offers from participating lenders.
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.
Verification date: Not recorded; check the primary source and lender timestamp before relying on an estimate.
Rate comparisons use participating lender feeds, not a whole-market survey or guaranteed offers. Freddie Mac PMMS is a market benchmark, not a personalized quote. Calculator models rely on published regulatory formulas and disclosed assumptions rather than fabricated first-person loan testing.
Monthly principal and interest use the amortization formula P × r / (1 − (1 + r)−n), where r is the monthly note rate and n is the number of payments; at zero interest use P / n. PITI adds monthly property taxes and homeowners insurance; PMI is separate. APR includes applicable finance charges under Regulation Z and is not the note rate used for payments. Compare lender Loan Estimates for actual APR and fees.
The payment snapshot uses illustrative annual taxes of 1% of home price, $1,200 insurance and 0.5% PMI below 20% down, not verified local quotes. Other calculators disclose their inputs and assumptions. Published guidance and lender feeds may change independently; confirm current program rules, taxes and offers before a decision.