FHA Loan Rates for Aug 31, 2026

3.5% down and flexible credit. Compare FHA loan rates in the table below, then check the six requirements if you have not already.

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FHA 30-year fixed rate average

The figure below is a national rate-lock average for 30-year FHA fixed-rate mortgages sourced from Optimal Blue mortgage market data. It reflects what borrowers were locking in across lenders—not a personalized quote. Your rate depends on your credit score, down payment, loan amount, and the lender you choose.

FHA loans are government-backed and allow down payments as low as 3.5% with flexible credit requirements, but most include a mortgage insurance premium (MIP) for the life of the loan.

Latest published U.S. FHA 30-year fixed rate (benchmark)

6.48% APR

Get a personalized rateLast announced August 27, 2026
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New to FHA? See FHA loan requirements.

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