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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. The rate and APR shown for each program are based on the example scenario described in the planning rate table on this page and are not available to every borrower. Actual rates depend on borrower profile, credit, loan amount, down payment, property type, property location, occupancy, points, program eligibility, market conditions, and lender pricing.
Example scenario used below: Example scenario used to generate the posted rate and APR: $300,000 purchase price, single-family residence, primary residence, located in Lakeland, FL, 680 FICO credit score, and a 30-day rate lock. Loan program and down payment are shown separately for each rate above.
Planning rates last updated: July 28, 2026
| Program | Rate | APR / Notes | Last Updated |
|---|---|---|---|
| FHA 30 Year | 6.25% | 7.094% APR | July 28, 2026 |
| VA 30 Year | 6.375% | 6.679% APR | July 28, 2026 |
| USDA 30 Year | 6.25% | 6.833% APR | July 28, 2026 |
| Conventional 30 Year | 7.125% | 7.260% APR | July 28, 2026 |
| Non-QM | 7.25% | 7.413% APR | July 28, 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. FHA MIP, VA funding fee, and USDA guarantee/annual fee figures reflect standard published 2026 program rates and may not reflect your exact loan amount, county limits, or exemptions. These are planning rates used for scenario estimation only. They are not rate locks, offers, or official quotes. The rate and APR shown for each program are based on the example scenario described in the planning rate table on this page and are not available to every borrower. Actual rates depend on borrower profile, credit, loan amount, down payment, property type, property location, occupancy, points, 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.