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Today's Mortgage Rates in Washington, DC

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DC Mortgage Rate Insights

  • The 30-Year Conventional Mortgage rate is 6.250%.
  • The 30-Year Conventional Refinance rate is 6.375%.
  • Rates are current as of July 29, 2026.

Current DC Mortgage Rates

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Mortgage Rates Trend in DC

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Interest Rates in Washington, DC

Washington, DC mortgage interest rates are set by national lending markets rather than by the District itself. Your credit profile, loan structure, property details and other application factors can affect the pricing offered to you.

DC residents comparing lenders should look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

Those figures serve different purposes when you compare mortgage offers, so review both rather than treating them as interchangeable.

DC homeowners considering a replacement mortgage can compare Washington, DC refinance rates with the rate and terms of their existing loan.

Types of Mortgages Available in Washington, DC

Washington, DC buyers can choose among several mortgage structures, while the District's single $1,249,125 conforming threshold affects when a conventional one-unit mortgage moves into the jumbo category.

  • A conventional fixed-rate mortgage keeps the same interest rate for the full loan term.

  • FHA loans in Washington, DC follow separate borrower and property requirements. FHA limits are set separately from conforming limits and are published for the District as a whole.

  • Eligible borrowers can compare Washington, DC VA loan rates. VA financing follows its own borrower and property requirements.

  • USDA loans combine borrower qualification with property eligibility.

  • An adjustable-rate mortgage can change after its initial rate period according to the loan terms.

  • A jumbo loan finances an amount above the applicable conforming threshold. Washington, DC uses a single one-unit limit across the entire District.

Buyers entering the market for the first time can compare first-time homebuyer loan options in Washington, DC.

Mortgage insurance treatment varies by loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in Washington, DC

Washington, DC has one 2026 one-unit conforming loan limit: $1,249,125. The District is a single county-equivalent, and the same limit applies everywhere in Washington, DC.

The $1,249,125 limit is the national high-cost ceiling, equal to 150% of the $832,750 national baseline. A one-unit mortgage above $1,249,125 falls into the jumbo category in Washington, DC.

The Federal Housing Finance Agency, or FHFA, sets conforming loan limits annually. Buyers financing above the District's threshold can compare Washington, DC jumbo loan rates.

These are 2026 limits for one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by area and property size.

FHA financing uses a separate limit system. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements.

Mortgage rate pages are also available for areas around the DMV, including:

Washington, DC Mortgage Payment Examples By Rate

Washington, DC's payment examples extend to a $1,200,000 mortgage, which remains below the District's single $1,249,125 one-unit conforming limit for 2026. The table shows principal-and-interest payments across the supplied loan amounts and rates. Use the Washington, DC mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount 5.50% 5.75% 6.00% 6.25% 6.50%
$1,200,000 $6,813 $7,003 $7,195 $7,389 $7,585
$1,100,000 $6,246 $6,419 $6,595 $6,773 $6,953
$1,000,000 $5,678 $5,836 $5,996 $6,157 $6,321
$900,000 $5,110 $5,252 $5,396 $5,541 $5,689
$800,000 $4,542 $4,669 $4,796 $4,926 $5,057
$700,000 $3,975 $4,085 $4,197 $4,310 $4,424
$600,000 $3,407 $3,501 $3,597 $3,694 $3,792
$500,000 $2,839 $2,918 $2,998 $3,079 $3,160
$400,000 $2,271 $2,334 $2,398 $2,463 $2,528
$300,000 $1,703 $1,751 $1,799 $1,847 $1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

DC. Mortgage FAQs

Are there homebuyer assistance programs in D.C.?

The District of Columbia Housing Finance Agency provides information about available homebuyer programs, eligibility and application requirements.

What is the conforming loan limit in Washington, DC for 2026?

Washington, DC has one 2026 one-unit conforming loan limit of $1,249,125. The limit does not vary within the District, so a one-unit mortgage above $1,249,125 falls into the jumbo category anywhere in Washington, DC.

How can I get a lower mortgage rate?

Your credit profile, debt load and down payment can affect the pricing offered to you. Compare mortgage offers using APR as well as the interest rate. Temporary rate buydowns and seller concessions can also affect the cost or payment structure of a transaction. Compare the complete terms of the offers you receive.

How will property taxes and insurance in D.C.
affect my mortgage payment?

Property taxes and homeowners insurance are usually collected monthly when your mortgage uses an escrow account. The lender holds those amounts until the bills are due, so the full monthly payment exceeds principal and interest alone. Review escrow requirements by loan type and property taxes by state and county when estimating these costs.

Find Out Why DC Loves Lower

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I highly recommend Jack! He made the mortgage process seamless and successfully got me a lower rate. Thank you for the incredible service, always checking in, and quickly responding to all my questions.

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July 6, 2026

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Stephen was great to work with. We really liked working with him throughout the home buying process and he did explain a lot of things really clearly, which we needed as first time home-buyers. Stephen worked to get us a great approval for our first home mortgage with as little money out of pocket as possible. We applied with about 5 other loan companies to try to compare numbers before locking in and Stephen and his team beat them all! Even though we were on a tight timeline for our home, Stephen had our paperwork ready just in time for our closing date. Definitely appreciate and recommend Stephen & Team Acopia.

Sherale B.

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July 9, 2026

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I had a great experience working with Levin Murphy. He is professional, knowledgeable, and responsive throughout the entire process.

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Jake and Courtney are wonderful to work with. They made the entire process smooth even when it could have been a hiccup. Thank you team!

Sage G.

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July 31, 2026

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The whole process of the loan approval to the closing of the property. Brian and his team were so professional and knowledgable. Every part of the transation was very transparent and they kept myself and my buyer on top of everything. I would recommend them to anyone buying a home. They also care and make sure everything is above board and everyone is helpful. Patti Dundas Landmark Realtors

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August 14, 2026

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