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| Program Name |
Conventional Loan Rate |
Government Loan Rate |
|---|---|---|
| Military Home | N/A | 5.000%* |
| First Home Targeted | 5.500%* | 5.000%* |
| First Home | 5.750%* | 5.250%* |
| Homebuyer Assistance (HBA) | 6.000%* - 1st loan 1.000%* - 2nd loan |
5.500%* - 1st loan 1.000%* - 2nd loan |
| Welcome Home++ | 6.375%* | 5.875%* |
| Welcome Home Assistance (WHA)++ | 6.625%* - 1st loan 1.000%* - 2nd loan |
6.125%* - 1st loan 1.000%* - 2nd loan |
| Refinance Home | 7.125%* | 6.625%* |
Last changed 03/05/2026 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.
WE HAVE A NEW VIEW FOR 2022 - REGISTER NOW FOR NIFA’S HOUSING CONFERENCE!
Join us for our 18th annual affordable housing conference. The event is March 28-30, 2022 and will offer both in-person and virtual sessions!
Housing Innovation Marketplace hybrid sessions: March 29-30th
LIHTC Compliance Training virtual sessions: March 28-30th
Participating Lender Workshop in-person session: March 28th
Please click the button below to register and explore additional information about our upcoming conference! Direct any questions that you may have to our Community Engagement Team: outreach@nifa.org