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Today's FHA loan rates

30-yr FHA · purchaseLive
Rate
5.750%
APR
5.770%
Points
0.29
($1,119)
Price my FHA loan

Sample scenario: $400,000 purchase, 3.5% down ($386,000 base loan), 700 FICO, single-family primary home, 30-day lock. FHA loans are insured by the Federal Housing Administration and offered through approved lenders; HomePilot is a licensed mortgage broker, not a government agency. Priced as of August 28, 2026 09:38 AM.

  • 3.5% down with flexible credit
  • Gift funds welcome
  • $0 lender fees on every loan

Checked against the national average daily

As of August 28, 2026, our FHA rate is 0.62% under the national average (6.37% average vs our 5.75%, 5.77% APR), worth about $115 a month on a $386,000 example and roughly $41,000 across the loan's term, principal and interest.

See the live comparison board

Why HomePilot

FHA loans, the wholesale way.

3.5% down opens the door

FHA's signature: a small down payment with credit guidelines built for real people, including buyers rebuilding after a rough stretch.

Gift funds and assistance welcome

Down payment gifts from family are standard on FHA files, and assistance programs can stack where eligible. We document it cleanly so underwriting never blinks.

Wholesale FHA pricing

FHA rates often run below conventional for the same buyer. With wholesale pricing and zero lender fees on top, the monthly number gets genuinely competitive.

MIP explained in dollars

FHA charges upfront and monthly mortgage insurance. We show both in dollars on your quote, next to a conventional option when your file supports one, so you pick with full information.

A path out of MIP

Monthly MIP doesn't have to be forever. Many borrowers refinance into conventional once equity and credit allow, and we track your file for exactly that moment.

Streamline refinances later

Already have an FHA loan? The FHA Streamline program can lower your rate with reduced documentation when rates drop. We watch for it.

How people use it

Three ways this plays out.

First home, smaller savings

3.5% down plus gift funds plus seller credits can make the cash-to-close surprisingly manageable. We build the whole stack and show you the real number.

Credit still healing

FHA guidelines are more forgiving on credit events and scores than conventional. We quote both paths when your file qualifies for both, and the cheaper monthly wins.

FHA vs conventional, decided by math

Near 700 FICO with 5%+ down, the answer flips file by file once mortgage insurance is priced. We show the side-by-side instead of defaulting to either.

Price my FHA loan

The $500 Best Price Guarantee

A smaller down payment shouldn't mean a padded rate. Make lenders compete for your FHA file too.

If we can't beat your combination of interest rate, lender fees, and monthly mortgage insurance on an eligible offer, we'll pay you $500 after you close with the other lender.

Eligible offers, terms apply. Read the full terms

Send us your quote

Questions

FHA loan questions, answered straight.

FHA program guidelines allow 3.5% down with scores of 580 and up, and individual lenders set their own minimums above that. Where your score lands mostly affects pricing, which is exactly what shopping 40+ lenders is for.

Ready when you are.

Sixty seconds to your live quote. No Social Security number, no hard credit pull, no sales calls you didn’t ask for.

Price my FHA loan