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These rates, APRs, monthly payments and points are current as of !currentDate and may change at any time. They assume you have a FICO® Score of 740+ and a specific down payment amount as noted below for each product. They also assume the loan is for a single-family home as your primary residence and you will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with a mortgage loan officer to learn more about mortgage points.

Compare a variety of mortgage types by selecting one or more of the following.

Conventional fixed-rate loans

Term
Rate
APR 1
Monthly payment
Points
Conventional fixed-rate loans
Term
30-year
Monthly payment
Rate
APR 1
Points
Term
20-year
Monthly payment
Rate
APR 1
Points
Term
15-year
Monthly payment
Rate
APR 1
Points
Term
10-year
Monthly payment
Rate
APR 1
Points

The rates and monthly payments shown are based on a loan amount of $464,000 and a down payment of at least 25%. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example. Get more details.

Conforming adjustable-rate mortgage (ARM) loans

Term
Rate
APR 1
Monthly payment
Points
Conforming adjustable-rate mortgage (ARM) loans
Term
10/6 mo
Monthly payment
Rate
APR 1
Points
Term
7/6 mo
Monthly payment
Rate
APR 1
Points

The rates and monthly payments shown are based on a loan amount of $464,000 and a down payment of at least 25%. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see an ARM estimated monthly payment and APR example. Get more details.

Jumbo adjustable-rate mortgage (ARM) loans

Term
Rate
APR 1
Monthly payment
Points
Jumbo adjustable-rate mortgage (ARM) loans
Term
10/1 yr
Monthly payment
Rate
APR 1
Points
Term
7/1 yr
Monthly payment
Rate
APR 1
Points
Term
5/1 yr
Monthly payment
Rate
APR 1
Points

The rates and monthly payments shown are based on a loan amount of $940,000 and a down payment of at least 25%. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see an ARM estimated monthly payment and APR example. Get more details.

Federal Housing Administration (FHA) loans

Term
Rate
APR 1
Monthly payment
Points
Federal Housing Administration (FHA) loans
Term
30-year
Monthly payment
Rate
APR 1
Points

The rates and monthly payments shown are based on a loan amount of $270,019 and a down payment of at least 3.5%. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see an FHA estimated monthly payment and APR example. Get more details.

Veterans Affairs (VA) loans

Term
Rate
APR 1
Monthly payment
Points
Veterans Affairs (VA) loans
Term
30-year
Monthly payment
Rate
APR 1
Points

The rates and monthly payments shown are based on a loan amount of $270,072 and no down payment. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a VA estimated monthly payment and APR example. Get more details.

Jumbo loans

Term
Rate
APR 1
Monthly payment
Points
Jumbo loans
Term
30-year
Monthly payment
Rate
APR 1
Points
Term
20-year
Monthly payment
Rate
APR 1
Points
Term
15-year
Monthly payment
Rate
APR 1
Points

The rates and monthly payments shown are based on a loan amount of $940,000 and a down payment of at least 25%. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a jumbo estimated monthly payment and APR example. Get more details.

VA loan details and benefits

A VA loan is a home mortgage that’s backed by the Department of Veterans Affairs. To be eligible for a VA loan, you must be an active-duty service member, a veteran or an eligible surviving spouse.

Low or no down payment

A VA mortgage loan requires little or no money down at closing.

No mortgage insurance

Even with no down payment, VA loans do not require mortgage insurance. The VA guarantees a portion of your loan, thereby saving you this monthly expense.

Simplified approval process

VA loans were designed to offset common financial challenges faced by military families and veterans, and to simplify the approval process.

Military banking services

U.S. Bank has products especially for military service members, veterans and eligible surviving spouses. Learn more about military banking.

Need help choosing the right mortgage option?

If you’re shopping for a home mortgage but aren’t sure about your options, it may be time to find a mortgage loan officer. A mortgage loan officer can offer you guidance on choosing the right loan for your specific needs.

Requirements for VA loans

The VA will provide a Certificate of Eligibility for military members and surviving spouses who meet the following requirements. Other restrictions may also apply. Your mortgage loan officer will work with you to obtain the Certificate of Eligibility.

Military members

To be eligible for a VA loan, you must be an active-duty or former member of the armed forces with at least one of the following:

  • 90 days of consecutive service during wartime
  • 181 days of service during peacetime
  • 6 years of service in the National Guard or reserves

 

Surviving spouses

Spouses of service members who died in the line of duty or as the result of a service-related disability may be eligible for a VA loan.

VA loan calculator

Use our mortgage calculator to get an estimate of your monthly mortgage payment.

Learn more about VA loans and other financing options.

Gain insights about military homeownership.

Learn about planning, purchasing and more with these tips for people in service.

Navigate the first-time homebuying process.

Make use of the tools and resources in our first-time homebuyer guide.

Why choose U.S. Bank as your lender?

Our goal is to provide exceptional value and service. Discover the perks we have to offer.

Check out all your mortgage options.

We offer loans that meet almost every mortgage need. Take a look!

Get answers to common questions.

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Disclosures

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.

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  1. Annual percentage rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

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The rates shown above are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

To lock a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan officer that your rate is locked. An application can be made by calling 888-291-2334, by starting it online or by meeting with a mortgage loan officer.

Minnesota properties: To guarantee a rate, you must receive written confirmation as required by Minnesota Statute 47.206. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206. 

Calculators are provided by Leadfusion. This calculator is being provided for educational purposes only. The results are estimates that are based on information you provided and may not reflect U.S. Bank product terms. The information cannot be used by U.S. Bank to determine a client's eligibility for a specific product or service. All financial calculators are provided by the third-party Leadfusion and are not associated, controlled by or under the control of U.S. Bank, its affiliates or subsidiaries. U.S. Bank is not responsible for the content, results, or the accuracy of information.