Program Name	Conventional Loan Rate	Government Loan Rate
Military Home	N/A	5.375%*
First Home Targeted	5.875%*	5.375%*
First Home	6.125%*	5.625%*
Homebuyer Assistance (HBA)	6.375%* - 1st loan 1.000%* - 2nd loan	5.875%* - 1st loan 1.000%* - 2nd loan
Welcome Home+	6.750%*	6.250%*
Welcome Home Assistance (WHA)+	7.000%* - 1st loan 1.000%* - 2nd loan	6.500%* - 1st loan 1.000%* - 2nd loan
Build Home++	Varies*	Varies*
Refinance Home	7.500%*	7.000%*

Rates Page

Last changed 04/09/2026 at 9:00 a.m
*This is not an advertisement for credit as defined in Reg.Z; contact a participating NIFA lender for Annual Percentage Rate (APR) information. Rates are subject to change without prior notice. 

+An origination fee up to 0.50% of the loan amount may be charged by Lender.

++ Interest rate based on program eligibility. See program details.