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 Utah First Federal Credit UnionUtah First Federal Credit Union1155 W Park Lane, American Fork, UT 84003A+5.0 ★Texas Ratio: 1.94% offering FHA Fixed at 5.62%, 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 FHA 30 Year Loan at 5.62%, and 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 5.52%, and JSC Federal Credit UnionJSC Federal Credit Union1280 E League City Pkwy, Alvin, TX 77017A+5.0 ★Texas Ratio: 4.52% offering 30-year FHA Fixed at 5.25%, 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 5.88%.
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 25, 2026
Compare FHA Mortgage Rates
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Rate effective as of 7/10/2026. Based on a home rate/term refinance transaction loan amount of $187,500 with a property value of at least $250,000 and repayments term as stated. Rate scenarios are based on a 30-day lock.
APR; 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. Click the "Get Quote" button to obtain a personalized rate quote.
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Rates are subject to change without notice.
Rates are subject to change without notice.
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Origination Fee: $1595
As of July 14, 2026
As of July 14, 2026
As Low As; FHA
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Par rate; based on certain assumptions. 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. Not all applicants will qualify for the lowest rate.
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As Low As
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FHA; 6.625%
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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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As Low As
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Loan Amount Example: $300,000.00; Monthly Payment Example: $1,896.20
As Low As
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6.625% / 6.786% APR
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Offer available for purchases and refinances in MD, DE, PA. Must be primary residence. Purchase specials available. Property insurance is required. Flood insurance may also be required. Loan subject to credit approval. Membership eligibility required. Ask for details. Escrow options available.
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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. Loan Amount: $200,000 Closing Cost: $7,009.58 Property Value: $203,690
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Rate is based on certain assumptions. 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.
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 rose 0.013 points over the past 7 days to 6.625%, up from 6.613% 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: 5.62% (FHA Fixed)
- Credit Union West Credit Union: 5.62% (FHA 30 Year Loan)
- FedFinancial Federal Credit Union: 5.52% (FHA 30-Year Fixed Rate)
- JSC Federal Credit Union: 5.25% (30-year FHA Fixed)
- TruStone Financial Credit Union: 5.88% (FHA 30-Year Fixed)
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