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Understand what rate movement actually means.
A rate is not just a number — it's a lever that shifts your payment, your DTI, and your affordability ceiling. Rate Explorer helps you understand how current planning rates translate to real payment ranges across supported 30-year planning programs.
Current planning rate reference.
These are planning rates used for scenario estimation only. They are not rate locks, offers, or official quotes. Actual rates depend on borrower profile, credit, loan amount, property type, occupancy, program eligibility, market conditions, and lender pricing.
Planning rates last updated: June 30, 2026
| Program | Rate | APR / Notes | Last Updated |
|---|---|---|---|
| FHA 30 Year | 5.99% | 6.806% APR | June 30, 2026 |
| VA 30 Year | 6.25% | 6.565% APR | June 30, 2026 |
| USDA 30 Year | 6% | 6.551% APR | June 30, 2026 |
| Conventional 30 Year | 6.99% | 7.094% APR | June 30, 2026 |
| Non-QM | 7.125% | 7.413% APR | June 30, 2026 |
Estimate your monthly payment.
Plug in your numbers to get a directional 30-year payment estimate. This is a planning tool — not a commitment. Program selections can prefill the corresponding current weekly planning rate when available.
Loan Details
Monthly Costs
Estimated Payment
Directional estimate only. Does not include PMI, MIP, funding fees, guarantee fees, or program-specific costs. These are planning rates used for scenario estimation only. They are not rate locks, offers, or official quotes. Actual rates depend on borrower profile, credit, loan amount, property type, occupancy, program eligibility, market conditions, and lender pricing.
Get a payment analysis tied to your actual strategy.
The calculator above is directional. The Rate Explorer step inside the full journey uses your selected loan path, buyer profile, and current planning rates to produce a tailored payment analysis.