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Data sourced from Freddie Mac & HUD.

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Conventional Mortgage by State

Standard mortgage with 3-20% down. PMI required if under 20% down.

Min Down Payment

0.05%

Requires PMI

Yes

Requires MIP

No

Rate Adjustment

0%

Live DataLast updated: April 4, 2026·Source: Freddie Mac & HUD

Top 10 Lowest Payment States

For Conventional at $350K-$500K

#1 Hawaii$4,392/mo #2 Alabama$4,459/mo #3 Colorado$4,517/mo #4 Delaware$4,527/mo #5 Louisiana$4,527/mo #6 Nevada$4,538/mo #7 West Virginia$4,538/mo #8 South Carolina$4,543/mo #9 Wyoming$4,543/mo #10 District of Columbia$4,543/mo

Top 10 Highest Payment States

For Conventional at $350K-$500K

#1 New Jersey$5,413/mo #2 Illinois$5,329/mo #3 New Hampshire$5,220/mo #4 Vermont$5,152/mo #5 Texas$5,126/mo #6 Connecticut$5,100/mo #7 Nebraska$5,090/mo #8 Wisconsin$5,090/mo #9 Ohio$5,048/mo #10 Pennsylvania$5,027/mo

Conventional in Every State

AlabamaAL AlaskaAK ArizonaAZ ArkansasAR CaliforniaCA ColoradoCO ConnecticutCT DelawareDE District of ColumbiaDC FloridaFL GeorgiaGA HawaiiHI IdahoID IllinoisIL IndianaIN IowaIA KansasKS KentuckyKY LouisianaLA MaineME MarylandMD MassachusettsMA MichiganMI MinnesotaMN MississippiMS MissouriMO MontanaMT NebraskaNE NevadaNV New HampshireNH New JerseyNJ New MexicoNM New YorkNY North CarolinaNC North DakotaND OhioOH OklahomaOK OregonOR PennsylvaniaPA Rhode IslandRI South CarolinaSC South DakotaSD TennesseeTN TexasTX UtahUT VermontVT VirginiaVA WashingtonWA West VirginiaWV WisconsinWI WyomingWY

Freddie Mac & HUD

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