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Program Name	Conventional Loan Rate	Government Loan Rate
Military Home	N/A	6.500%*
First Home Targeted	6.750%*	6.500%*
First Home	7.000%*	6.750%*
Homebuyer Assistance (HBA)	7.250%* - 1st loan 1.000%* - 2nd loan	7.000* - 1st loan 1.000%* - 2nd loan
Welcome Home+	7.625%*	7.375%*
Welcome Home Assistance (WHA)+	7.875%* - 1st loan 1.000%* - 2nd loan	7.625%* - 1st loan 1.000%* - 2nd loan
Build Home++	Varies*	Varies*
Refinance Home	8.375%*	8.125%*

Rates Page

Last changed 10/07/2026 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.