FHA Mortgage Rates

FHA Mortgage Rates

The average FHA rate is 6.35% today with 3.5% minimum down.

The average FHA rate is 6.35% today with 3.5% minimum down.

Updated April 1, 2026

Product Rate APR Change Payment
FHA 30-Year 6.35% 7.12% ▲ 0.01% $2,494/mo
FHA 15-Year 5.85% 6.5% ▼ 0.01% $3,343/mo

What Are FHA Loans?

Government-backed mortgages requiring as little as 3.5% down with a 580+ credit score. Credit score 500-579 requires 10% down.

Frequently Asked Questions

Can I remove FHA mortgage insurance?

With less than 10% down, MIP lasts the life of the loan. With 10%+ down, MIP drops after 11 years.

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