What's the Best Mortgage With 10% Down?
Short answer
With 10% down, the best mortgage today is FHA at every credit score from 640 to 740+.
Today’s rates · Rates as of September 25, 2026
Compare, priced today
FHA vs conventional with 10% down
FHA vs Conventional
640 credit, 10% down
FHA
6.625%
Conventional
7.625%
FHA · saves $30,734 / 10 yrsFHA vs Conventional
660 credit, 10% down
FHA
6.625%
Conventional
7.625%
FHA · saves $29,756 / 10 yrsFHA vs Conventional
680 credit, 10% down
FHA
6.625%
Conventional
7.500%
FHA · saves $18,216 / 10 yrsFHA vs Conventional
700 credit, 10% down
FHA
6.500%
Conventional
7.375%
FHA · saves $14,600 / 10 yrsFHA vs Conventional
720 credit, 10% down
FHA
6.500%
Conventional
7.375%
FHA · saves $11,954 / 10 yrsFHA vs Conventional
740 credit, 10% down
FHA
6.500%
Conventional
7.250%
FHA · saves $6,449 / 10 yrs
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