Best FHA Mortgage Rates Today July 2026 | As Low As 5.25%
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 FedFinancial Federal Credit UnionFedFinancial Federal Credit Union10903 New Hampshire Ave, Silver Spring, MD 20903 1058A+5.0 ★Texas Ratio: 1.98% offering FHA 30-Year Fixed Rate at 5.35%, and The Golden 1 Credit UnionThe Golden 1 Credit Union1030 Shaw Ave, Atascadero, CA 91762A+5.0 ★Texas Ratio: 5.04% offering 30-Year Fixed FHA Purchase at 5.25%, and CINCINNATI OHIO POLICECINCINNATI OHIO POLICE10761 Pippin Rd, Blue Ash, OH 45042A5.0 ★Texas Ratio: 5.54% offering 30-Year FHA Loan at 5.75%, and Credit Union West Credit UnionCredit Union West Credit Union10150 W Desert River Blvd, Avondale, AZ 85008 2442A+5.0 ★Texas Ratio: 2.75% offering 30 Year FHA Loan at 5.75%, and TruStone Financial Credit UnionTruStone Financial Credit Union1400 Riverwood Dr, Bloomington, MN 53110 2611A+5.0 ★Texas Ratio: 5.11% offering FHA 30-Year Fixed at 5.75%.
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: July 5, 2026
Compare FHA Mortgage Rates
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Rates are subject to change and based on creditworthiness. Other rates may apply. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors. Rate scenarios are based on a 30-day lock.
As Low As; Purchase
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Origination Fee: $1595
FHA Loans - (30-year rate shown); Rates are subject to change without notice.
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As Low As; Interest Rate: 5.625%
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Rates last updated on 06/24/2026 at 12:30 PM (EST). Mortgage rates are based upon a variety of assumptions and conditions. The credit score used in this estimate may be higher or lower than your personal credit score. A loan's interest rate will depend upon specific characteristics of the loan and the borrower's credit history through the time of closing.
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6.660% APR
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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.
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Par rate; No discount points; Your specific rate will be based on your unique circumstances and may differ from the rates shown in this table. Be sure to ask about additional loan programs and rates when you speak with a Mortgage Loan Originator.
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As Low As
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FHA
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Par rate (no discount points). Your specific rate will be based on your unique circumstances and may differ from the rates shown.
Rates effective as of 6/22/2026, 10:50:54 AM (ET). Rates are subject to change without notice based on market changes. Rates are based on a 45 day lock.
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Monthly payment estimates are based on single family, owner occupied, 680 credit score, purchase transaction, no secondary financing, non-condo, 30 day lock. Actual closing costs may be higher or lower depending on where the property is located.
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96.5% LTV
As Low As; Estimated Monthly Payment (P & I)[3] (Excludes taxes and hazard insurance; actual payment will be higher)
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FHA 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.
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Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
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 currently averages 6.659% from 8,500+ lenders.
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?
- FedFinancial Federal Credit Union: 5.35% (FHA 30-Year Fixed Rate)
- The Golden 1 Credit Union: 5.25% (30-Year Fixed FHA Purchase)
- CINCINNATI OHIO POLICE: 5.75% (30-Year FHA Loan)
- Credit Union West Credit Union: 5.75% (30 Year FHA Loan)
- TruStone Financial Credit Union: 5.75% (FHA 30-Year Fixed)
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