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Current rates
| 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%* |
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.
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