What are todays conventional loan rates?

As of March 2026, conventional 30-year fixed rates start at 5.750% and conventional 15-year fixed rates start at 5.500%.

Are conventional rates lower than conventional?

Yes. conventional rates are typically 0.25-0.50% lower than conventional rates due to the conventional guaranty reducing lender risk.

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Looking for conventional loans? Visit our dedicated conventional site: conventionalhomeloans.services/conv-calculator/ →

QUICK ANSWER — Use the conventional calculator to estimate monthly payments. On a $435,000 Las Vegas home with 5-20% down at 5.750%, the estimated monthly payment is $2,636 including principal, interest, and PMI. conventional PMI is 0.55% annually plus 1.75% upfront (financeable).

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Conventional Payment Calculator

Drag the sliders to see your estimated conventional payment in real time. Includes principal, interest, and mortgage insurance.

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CALCULATOR

Estimate Your conventional Payment

Home Price$435,000

Down Payment %3.5%

Interest Rate5.750%

Est. Monthly Payment

$2,636

P&I $2,444 + PMI $192/mo

Get Your Exact Rate →

FAQ

Questions? Answered.

Add principal and interest (based on loan amount and rate), plus monthly PMI (0.55% of loan annually divided by 12), plus property taxes (about 1% of value annually), plus homeowner insurance (about $1,200/year in Las Vegas).

Principal, interest, conventional mortgage insurance premium (PMI), property taxes, and homeowner insurance. This is often called PITI. HOA dues are additional if applicable.

Annual PMI is 0.55% of the loan amount for most conventional loans. On a $420,000 loan, that is $2,310/year or $192/month. Plus a one-time PMI of 1.75% ($7,350) that can be financed into the loan.

The calculator provides estimates based on current rates and standard assumptions. Your actual payment depends on your specific credit score, loan amount, property taxes, and insurance. Apply for a personalized quote for exact numbers.