FHA Loan Rates Hit 6.13% in April 2026: Full Breakdown for First-Time Buyers - LoanKey

FHA Loan Rates Hit 6.13% in April 2026: Full Breakdown for First-Time Buyers - LoanKey

LoanKey Rating: 4.6 out of 5 | Updated April 10, 2026 | Reviewed by LoanKey Editorial Team The average 30-year FHA loan rate stands at 6.13% as of April 9, 2026, according to Fortune data, sitting below the conventional 30-year rate of 6.37%. For first-time buyers in the US who cannot meet the 620 FICO score and 20% down payment that conventional loans typically require, FHA financing remains the most accessible entry point into homeownership. This page covers the current rate data, down payment requirements, mortgage insurance costs, loan limits for 2026, and exactly who qualifies. FHA Loan Rates - April 2026 Loan Type Average Rate - April 2026 Change vs. One Year Ago 30-year FHA fixed 6.13% Down from 6.37% (Apr 2025) 15-year FHA fixed 5.74% Down from 5.82% (Apr 2025)

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