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: 2026-11-01.
Federal Government & Agencies
| Organization | Used For | Update | Link |
|---|---|---|---|
| CFPB — Owning a Home / Mortgage tools | Mortgage education, APR, closing disclosure standards | Continuous | Visit → |
| HUD — FHA Loan Limits | FHA floor $541,287 / ceiling $1,249,125 (2026) | Annual (Nov-Dec) | Visit → |
| FHFA — Conforming Loan Limits | Conforming limit $832,750 (2026), HERA formula | Annual (Nov-Dec) | Visit → |
| VA — Funding Fee & Closing Costs | VA funding fee schedule (2.15% first use <5% down) | Annual | Visit → |
| USDA RD — Single Family Housing | Guarantee fees (1% upfront + 0.35% annual) | Annual | Visit → |
Mortgage Market Data
| Organization | Used For | Update | Link |
|---|---|---|---|
| Freddie Mac — Primary Mortgage Market Survey® | Weekly national rate benchmarks (30Y, 15Y, 5/1 ARM) | Weekly (Thu) | Visit → |
| MBA — Weekly Applications Survey | 30-yr FHA, jumbo and 5/1 ARM contract rates (published weekly) | Weekly (Wed) | Visit → |
| Fannie Mae — Loan Limits | Conforming limit confirmation by property count | Annual | Visit → |
Housing & Economic Data
| Organization | Used For | Update | Link |
|---|---|---|---|
| U.S. Census — ACS 1-yr | State median home value (table B25077) and median real estate taxes paid (B25103); their ratio is the effective property-tax rate we display | Annual (Sept) | Visit → |
| NAIC — Homeowners Insurance Report | Average homeowners insurance premiums by state | Annual | Visit → |
Appendix A — Values currently in use
These are the exact figures the site renders, with the survey that published each one. Every number here is reproducible from the source named beside it.
| Measure | Value | Source | As of |
|---|---|---|---|
| 30-year fixed (national) | 7.32% | Freddie Mac PMMS | 2026-10-22 |
| 15-year fixed (national) | 6.68% | Freddie Mac PMMS | 2026-10-22 |
| 30-year FHA | 7.13% | MBA Weekly Applications Survey | 2026-10-17 |
| 30-year jumbo | 7.33% | MBA Weekly Applications Survey | 2026-10-17 |
| 5/1 ARM | 6.46% | MBA Weekly Applications Survey | 2026-10-17 |
| Median home value (per state) | ACS 2024 1-yr, B25077 | U.S. Census Bureau | ACS 2024 1-year |
| Effective property-tax rate (per state) | B25103 ÷ B25077 | U.S. Census Bureau | ACS 2024 1-year |
Not listed, because neither survey publishes them: 30-year VA, 7/1 ARM and 15-year jumbo. We do not display a rate we cannot source. State-level rates are not published by any of these surveys, so state and county pages show the national 30-year average and say so. Median home values and effective property-tax rates are state-level Census ACS 2024 1-year figures, refreshed annually when the Census Bureau releases the new vintage.
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.