Today's Mortgage Rates in Dallas, TX
Sample rates for Dallas home buyers and homeowners, with the local costs that shape your monthly payment.
Today's Mortgage Rates for
Conventional 15 Yr.
5.99%
APR 6.18%
Conventional 30 Yr.
6.625%
APR 6.771%
FHA 30 Yr.
6.25%
APR 7.12%
VA 30 Yr. Fixed
6.25%
APR 6.387%
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Rate Table Assumptions
Mortgage rates change with market conditions. They can only be guaranteed when they are locked in with an application. The rates may vary based on credit score, loan amount, and other factors.
Loan amounts greater than $475,000. FICO credit score greater than 780 or higher. Owner Occupied
30 Conventional Year Fixed - $600,00 or greater . LTV 75.0%. 1 % Point Charged First time Home Buyer.
VA - Closing Costs included in APR are assuming that Veteran is exempt from Funding fee. If not exempt the funding fee will vary based on usage and equity position.
15 Year Fixed - $600,000 or greater. LTV 75%. 1 Point Charged.
30 Year Jumbo Loan - $850,000 or greater. LTV 75.0%. 1 Point. charged
30 Year FHA Loan - $475,000. LTV 96.5%. 1 Point charged
30 Year VA Loan - $500,000. 100.0% 1 Point.
1 point = 1% of the loan amount in order to get the rate.
Reading Today's Dallas Mortgage Rates
The rates above are sample pricing based on the listed assumptions. Your own rate on a Dallas purchase or refinance depends on your credit score, down payment or equity, loan type and term, loan amount, property type, occupancy and whether you pay discount points.
Your full payment also includes costs beyond the rate. Dallas is mostly in Dallas County, and the property tax rate on a home depends on the taxing units for its address. Property taxes and homeowners insurance are major parts of a Texas mortgage payment, and once the home is your owner-occupied primary residence you may apply for the Texas homestead exemption.
Compare conventional, FHA, VA, jumbo, bank statement and DSCR options, plus down payment assistance; eligibility depends on the borrower and property. You can also review VA loan rates, jumbo loan rates, refinance options and statewide Texas rates.
Dallas Mortgage Rate FAQs
How often do Dallas mortgage rates move?
Mortgage pricing follows the bond market, so it can shift from one business day to the next and sometimes during the same day. A quote reflects pricing at the moment it is issued.
Why might my Dallas quote differ from the sample rates above?
The table assumes a specific credit score, loan amount, down payment and points. If your scenario is different, such as a smaller down payment, a condo or an investment property, your rate and APR may be different too.
Does a lower APR always mean a better Dallas loan offer?
Not always. APR combines the interest rate with certain loan costs, so it helps compare offers with the same loan amount and term, but how long you plan to keep the loan also matters.
Do Dallas County property taxes change my interest rate?
Taxes do not set your rate, but they raise your monthly payment and count toward your debt-to-income ratio. That can affect how much you qualify to borrow.
When should I lock my rate on a Dallas home?
Many buyers lock once they have an accepted contract and a payment they are comfortable with. Choose a lock period that covers your expected closing date and ask about extension costs.
Get a custom Dallas rate quote for your own scenario.
Texas United Mortgage, LLC · NMLS #2442778 · 2170 Buckthorne PL STE 200, The Woodlands, TX 77380 · 888-505-1718
Latest Mortgage Rate Updates in Dallas, Texas
As of September 18, 2026, Dallas buyers have a 6.75% 30-year fixed purchase rate, below the latest 6.95% Freddie Mac average and above the 6.26% level from a year ago.
Other current purchase rates include:
Conventional 15-Year Fixed: 6.25% APR 6.436%
Conventional 30-Year Fixed: 6.75% APR 6.899%
FHA 30-Year Fixed: 6.125% APR 6.975%
VA 30-Year Fixed: 6.25% APR 6.576%
The May 2026 median sale price reached $498,702, up 9.8% year over year, while homes sold in about 40 days. If you’re shopping in Dallas, the lower rate helps, but your offer strategy still needs a firm payment ceiling.
On a $498,702 loan amount, principal and interest would be about $3,235 at 6.75%, compared with about $3,301 at 6.95% and $3,074 at 6.26%.
The current estimate is roughly $66 lower than the latest Freddie Mac payment and about $161 higher than last year’s level.
Set your payment ceiling before touring because a competitive listing can tempt you to raise your offer faster than your monthly budget can comfortably support.
It's best to get fully underwritten early, because a stronger approval can help you compete in Dallas without automatically raising the offer price.
What Shapes the Mortgage Rate You Get in Dallas
The rates in the table above are examples based on the stated assumptions. The rate offered on a Dallas home depends on market conditions plus your own profile: credit score, down payment, loan type and term, loan amount, property type, occupancy and whether you pay discount points.
Local Costs That Affect Your Dallas Payment
- Property taxes: Dallas is mostly in Dallas County, with parts of the city in neighboring counties. The tax rate depends on the taxing units for the address, such as the city, school district and county.
- Homeowners insurance: Premiums are a major part of a Texas mortgage payment, so get an insurance quote early in your search.
- Homestead exemption: Once you own the home and live in it as your primary residence, you may apply for the Texas homestead exemption, which can lower its taxable value.
- Mortgage insurance and HOA dues: Include these in your estimate when they apply.
How to Compare Dallas Rate Quotes
Request Loan Estimates on the same day for the same loan amount, term and lock period, then compare the rate, APR, discount points, lender fees and estimated cash to close side by side.
Loan Options for Dallas Home Buyers
Eligibility depends on the borrower and property.
- Conventional loans for primary homes, second homes and investment properties; mortgage insurance generally applies with less than 20% down.
- FHA loans with more flexible credit guidelines, subject to FHA loan limits in Texas.
- VA loans for eligible veterans and service members; see today's VA loan rates.
- Jumbo loans for amounts above conforming limits; see today's jumbo loan rates.
- Bank statement loans for self-employed borrowers and DSCR loans for real estate investors.
- USDA loans for eligible rural properties; some outlying areas in the region may qualify.
Help With Down Payment and Closing Costs
Texas offers down payment assistance and first-time buyer programs through state housing agencies, with income limits and other requirements. Learn more about down payment assistance in Texas.
Next Steps
Already own a Dallas home? Learn how to refinance your Texas mortgage, or compare statewide Texas mortgage rates. When you are ready, get a custom Dallas rate quote based on your own scenario.
Texas United Mortgage, LLC · NMLS #2442778 · 2170 Buckthorne PL STE 200, The Woodlands, TX 77380 · 888-505-1718