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TruePITI
Live Rates
30-Year Fixed6.710%+0.050|15-Year Fixed6.040%+0.060|30-Year FHA6.460%+0.050|30-Year VA6.210%+0.040|5/1 ARM6.210%+0.040|7/1 ARM6.340%+0.050|30-Year Jumbo7.210%+0.050|15-Year Jumbo6.710%+0.060|CA Avg6.650%-0.080|TX Avg6.700%+0.050|FL Avg6.700%-0.030|NY Avg6.680%-0.100|PA Avg6.690%-0.050|IL Avg6.730%+0.020|OH Avg6.750%-0.070|GA Avg6.680%0.000|NC Avg6.670%-0.040|MI Avg6.740%-0.060|AZ Avg6.700%+0.030|WA Avg6.640%-0.090|30-Year Fixed6.710%+0.050|15-Year Fixed6.040%+0.060|30-Year FHA6.460%+0.050|30-Year VA6.210%+0.040|5/1 ARM6.210%+0.040|7/1 ARM6.340%+0.050|30-Year Jumbo7.210%+0.050|15-Year Jumbo6.710%+0.060|CA Avg6.650%-0.080|TX Avg6.700%+0.050|FL Avg6.700%-0.030|NY Avg6.680%-0.100|PA Avg6.690%-0.050|IL Avg6.730%+0.020|OH Avg6.750%-0.070|GA Avg6.680%0.000|NC Avg6.670%-0.040|MI Avg6.740%-0.060|AZ Avg6.700%+0.030|WA Avg6.640%-0.090|

Sources

Every organization behind the numbers on TruePITI. We prioritize government and primary agency sources; third-party financial sites are used only as secondary confirmation. Last checked: 2026-09-17.

Federal Government & Agencies

OrganizationUsed ForUpdateLink
CFPB — Owning a Home / Mortgage toolsMortgage education, APR, closing disclosure standardsContinuousVisit →
HUD — FHA Loan LimitsFHA floor $541,287 / ceiling $1,249,125 (2026)Annual (Nov-Dec)Visit →
FHFA — Conforming Loan LimitsConforming limit $832,750 (2026), HERA formulaAnnual (Nov-Dec)Visit →
VA — Funding Fee & Closing CostsVA funding fee schedule (2.15% first use <5% down)AnnualVisit →
USDA RD — Single Family HousingGuarantee fees (1% upfront + 0.35% annual)AnnualVisit →

Mortgage Market Data

OrganizationUsed ForUpdateLink
Freddie Mac — Primary Mortgage Market Survey®Weekly national rate benchmarks (30Y, 15Y, 5/1 ARM)Weekly (Thu)Visit →
Fannie Mae — Loan LimitsConforming limit confirmation by property countAnnualVisit →

Housing & Economic Data

OrganizationUsed ForUpdateLink
U.S. Census — ACSState-level median home values, effective property tax rates, incomeAnnualVisit →
NAIC — Homeowners Insurance ReportAverage homeowners insurance premiums by stateAnnualVisit →

How we use sources

Rates, limits, and fees are always traced to the issuing agency (see Methodology). Where a figure is an estimate (e.g., PMI tiers, property tax defaults), it is labeled as an estimate with the underlying data source. If we cannot verify a number, we do not publish it — see the corrections log for the record.