FHA Loan Rates Today
Educational estimates only · Not a loan offer
6.6% – 7.3%Avg (Fair Credit, Mar 2026)
What is a FHA Loan?
FHA loans are insured by the Federal Housing Administration, allowing down payments as low as 3.5% for borrowers with a 580+ credit score. They're popular with first-time buyers and those rebuilding credit. The catch: FHA requires mortgage insurance premiums (MIP) for the life of the loan in most cases, adding 0.55%+ annually to your effective cost.
Compare rates with our Loan Finder →
Answer 5 quick questions and get personalized loan type recommendations — no credit check.
Loan Finder
Rate ranges are estimates for educational purposes only and do not constitute financial advice or a loan offer. Lemon Insider is not a lender and does not facilitate loan applications.