Move the sliders. See what a home would actually cost you at today's rates, then get matched with lenders who'll compete for your loan.
Estimate only. Actual rate depends on credit, loan type, and lender. Taxes and insurance not included.
Typical market ranges. Actual APR varies by credit, loan type, and lender.
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Every borrower is different. Here's a plain-English look at the five most common loan types and typical rates as of August 2026.
Affiliate disclosure: MortgageLoan.net earns a fee when a reader clicks Compare on the rate table and applies through Credit Karma (Awin merchant 66532). Rate ranges below are typical market ranges as of August 2026, actual rates vary by credit, loan type, and lender.
| Loan type | Typical rate | Best for | Min down | Monthly on $400k |
|---|---|---|---|---|
| 30-year fixedMost popular | 6.42% | Lowest monthly payment | 3% | $2,505 |
| 15-year fixed | 5.71% | Payoff in half the time | 5% | $3,308 |
| FHA 30-year | 6.18% | Lower credit, lower down | 3.5% | $2,443 |
| VA 30-year | 5.95% | Active-duty / veterans | 0% | $2,383 |
| ARM 5/1 | 5.88% | Moving in under 7 years | 5% | $2,365 |
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Plain-English guides written for people about to spend the largest sum of money in their lives.
The 28/36 rule, PITI math, and the real reason lenders will approve you for more than you should borrow.
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Read the guide → Mortgage guidePMI vs MIP, credit-score cutoffs, and the seller-concession trick that changes the math.
Read the guide →No credit-pull to see offers. Free, no obligation.
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The payment figure is a principal-and-interest estimate based on the sliders you set. It does not include property taxes, homeowners insurance, HOA fees, or PMI. Use our full calculator for a complete payment estimate.
Ticker rates are typical market ranges pulled from public sources and updated hourly. Your actual rate depends on your credit score, loan type, down payment, property type, and the specific lender you apply with. Getting matched shows you what real lenders will actually offer you.