Licensed in California · NMLS #362311
EZOnline MortgageCalifornia Home Loans
(818) 305-6704Apply now
EZOnline MortgageCalifornia Home Loans
Apply
Home›Rates›FHA Rates
Rates · Today's Rates

Today's FHA loan rates in California.

FHA loans help buyers with flexible credit and low down payments. This page explains how FHA rates work and how to get yours. The live rate table belongs here.

A family at sunset in front of their home shopping today's FHA rates

Today’s sample rates

Live Rates · California
Get my real rate

Monthly payment examples below are for a loan amount of $350,000 ($1,100,000 on Jumbo). Taxes and insurance are not included within the estimate; actual payment amount will be greater.

No rates are currently available for this selection.
Try the other tab, or get a personalized quote for your scenario.
Start now

See your personalized FHA rate

Rates change daily and vary by your profile. A personalized quote is most accurate.

Quick answer

FHA rates in California can sometimes be competitive even with lower credit, but remember that FHA loans also carry mortgage insurance (an upfront fee plus a monthly amount). So the lowest rate is not the whole cost. Compare the full picture — rate plus insurance — against a conventional loan. See FHA vs Conventional.

What affects your FHA rate

FactorHow it affects your rate
Credit scoreHigher score, usually lower rate
Down payment3.5% minimum; more can help
Loan termShorter terms often have lower rates
PointsCan lower your rate. See Rate vs APR
The marketMoves rates daily. See What Moves Rates

Don't forget mortgage insurance

FHA's rate is only part of the cost. You also pay an upfront premium (1.75%) and a monthly premium that often lasts the life of the loan. When comparing FHA to conventional, include this insurance — sometimes a slightly higher conventional rate costs less overall because PMI can be removed. See FHA vs Conventional.

How to compare

Use the APR. It reflects fees. See Rate vs APR.
Add insurance into the comparison.
Compare FHA vs conventional for your credit and savings.
Good questions

Frequently asked questions

They change daily. The live table shows ranges; your rate depends on your profile.

Next steps

Compare the full cost, then get your rate

Compare FHA's rate and insurance against a conventional loan, then get a personalized quote. EZ Online Mortgage can show your personalized FHA rate and compare the full cost with conventional.

Get Pre-Approved (818) 305-6704
Keep learning

This page is for education only. It is not a loan offer or a rate quote. Rates change daily and depend on your individual circumstances. Equal Housing Opportunity · NMLS #362311 · CA DRE #01871814.

CallStart my application