Best FHA Mortgage Rates Today September 2026 | As Low As
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Today's FHA mortgage rate mortgage market includes offers such as Utah First Federal Credit UnionUtah First Federal Credit Union1155 W Park Lane, American Fork, UT 84003A+5.0 ★Texas Ratio: 1.27% offering FHA Loan at 6.12%, and Credit Union West Credit UnionCredit Union West Credit Union10150 W Desert River Blvd, Avondale, AZ 85008 2442A+5.0 ★Texas Ratio: 2.74% offering FHA - 30 Year Loan at 6.25%, and WyHy Federal Credit UnionWyHy Federal Credit Union110 Commerce Dr, Casper, WY 82009 7359B4.5 ★Texas Ratio: 20.60% offering Purchases and First Mortgage Refinances - 30 year FHA at 6.50%, and FedFinancial Federal Credit UnionFedFinancial Federal Credit Union10903 New Hampshire Ave, Silver Spring, MD 20903 1058A+5.0 ★Texas Ratio: 5.42% offering FHA 30-Year Fixed Rate at 6.08%, and CINCINNATI OHIO POLICECINCINNATI OHIO POLICE10761 Pippin Rd, Blue Ash, OH 45042A5.0 ★Texas Ratio: 7.13% offering 30-Year FHA Loan at 6.25%.
The FHA mortgage rate mortgage is the most popular home loan in the United States, prized for its predictable monthly payment and long amortization period that keeps monthly costs manageable. Whether you are a first-time homebuyer or refinancing an existing loan, comparing rates across lenders is the single most effective way to save — even a 0.25% rate difference on a $400,000 loan saves over $20,000 in total interest over 30 years. We empower borrowers with transparent financial health metrics — including A–F Safety Grades, verified Star Ratings, and Texas Ratios — so you can choose a stable institution with confidence.
FHA Mortgage Rates reflect actual verified offers from lenders actively lending to borrowers across the country. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: September 21, 2026
Compare FHA Mortgage Rates
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As low as Rates
Term: FHA - 30 Year Fixed Rate
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Subject to credit approval. Rates, terms, and information are subject to change at any time. Rates offered are dependent on credit score at application. Rates are locked for 60 days. Loans with less than 20% down payment will require private mortgage insurance. NMLS 595144
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As low as Rates
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Term: No Closing Cost - FHA 30 Year Fixed Rate
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Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $300,000 and an estimated property value of $600,000. Rates provided assume the purpose of the loan is to purchase an existing single-family home to be used as a primary residence and a credit score of 740. An escrow (impound) account is required and actual monthly payments will be higher as it will also include amounts for real estate taxes and homeowner's insurance premiums. Escrow waivers may be available in some cases and additional fees will apply.
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The information provided is for a 30-year FHA mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $441,849.00 and an estimated property value of $450,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 6.375% interest rate, the fixed APR for this loan type is 7.214%. The monthly payment would be: 359 payments of $2,954.56 at an interest rate of 6.375% 1 payment of $2,767.96 at an interest rate of 6.375%. The monthly payment amount displayed includes principal, interest and mortgage insurance. The payment does not include homeowner's insurance or property taxes which must be paid in addition to your loan. Actual APR based on creditworthiness.
96.5% LTV
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Loan Amount Example: $300,000.00; Monthly Payment Example: $1,979.85
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As Low As; Estimated Payment per $10,000: $64.03
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ARM Index/Margin: 0%; Life Cap: 0%
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The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $305,250 and an estimated property value of $300,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 700. Loan payment example: A FHA (96.5% LTV) loan of $305,250 for 30 years at 6.625% rate (7.790% APR) will have a principal, interest, and private mortgage insurance monthly payment of $2,092.05.
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Important Assumptions
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Loan Amount: $100,000; LTV: 96.5%
Down Payment: 3.50%; Loan Amount: $241,250.00; LTV: 96.50%
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As Low As; Estimated Monthly Payment (P & I) (Excludes taxes and hazard insurance; actual payment will be higher)
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A popular choice for smaller down payments or lower credit scores.
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Important Assumptions
Origination Fee: 0%
Assumptions: Purchase price $210,000, Loan Amount $206,196, 3.5% down-payment, 680 credit score, Illinois primary residence only, single family home, fees include 1.75% up front mortgage insurance premium (UFMIP) as required by FHA, results in higher APR, 45-day rate lock
A popular choice for smaller down payments or lower credit scores.
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Loan requires mortgage insurance and guaranteed by the Federal Housing Administration (FHA).
Points (cost): $783
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FHA Mortgage Rate Mortgage Rate Trend
Daily average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 8,500+ banks and credit unions — updated daily.
The FHA mortgage rate rose 0.283 points over the past 7 days to 7.232%, up from 6.949% last week.
FHA Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every FHA mortgage rate on this page is sourced directly from the official website of the lending institution — no estimates, no survey averages. Our proprietary rate aggregation technology, combined with a dedicated team of rate analysts, verifies and updates listings daily to ensure accuracy.
Coast-to-Coast Lender Coverage: Our database monitors over 8,500 banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and online lenders. This breadth ensures you see competitive rates that many rate surveys miss.
Time-Stamped for Full Transparency: Because FHA mortgage rates can shift multiple times per week in response to 10-year Treasury movements and Federal Reserve policy changes, every rate entry carries its own specific "last updated" date. You always know exactly how fresh the data is.
Proprietary Lender Safety Ratings: Rate alone is only part of the picture. MonitorBankRates evaluates the financial stability of every listed institution using regulatory FDIC and NCUA data. Our composite Health Grades (A+ to F), Star Ratings, and Texas Ratio calculations give you a clear view of lender stability so you can borrow with confidence from a financially sound institution.
Frequently Asked Questions About FHA Mortgage Rates
What is an FHA loan?
What are the FHA loan down payment requirements?
What credit score do I need for an FHA loan?
What is FHA mortgage insurance (MIP)?
What are FHA loan limits?
How does an FHA loan compare to a conventional loan?
What is the difference between interest rate and APR on an FHA loan?
Can I refinance an FHA loan?
How are FHA mortgage rates determined?
What are today's best FHA mortgage rates?
- Utah First Federal Credit Union: 6.12% (FHA Loan)
- Credit Union West Credit Union: 6.25% (FHA - 30 Year Loan)
- WyHy Federal Credit Union: 6.50% (Purchases and First Mortgage Refinances - 30 year FHA)
- FedFinancial Federal Credit Union: 6.08% (FHA 30-Year Fixed Rate)
- CINCINNATI OHIO POLICE: 6.25% (30-Year FHA Loan)
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