What's the Best Mortgage With 5% Down?
Short answer
With 5% down, the best mortgage today is FHA at every credit score from 640 to 740+.
Today’s rates · Rates as of October 15, 2026
Compare, priced today
FHA vs conventional with 5% down
- FHA saves $41,639 / 10 yrs
FHA vs Conventional
640 credit, 5% down
See the full comparisonFHA
6.375%
Conventional
7.375%
- FHA saves $39,553 / 10 yrs
FHA vs Conventional
660 credit, 5% down
See the full comparisonFHA
6.375%
Conventional
7.299%
- FHA saves $25,553 / 10 yrs
FHA vs Conventional
680 credit, 5% down
See the full comparisonFHA
6.375%
Conventional
7.250%
- FHA saves $17,510 / 10 yrs
FHA vs Conventional
700 credit, 5% down
See the full comparisonFHA
6.375%
Conventional
7.125%
- FHA saves $11,275 / 10 yrs
FHA vs Conventional
720 credit, 5% down
See the full comparisonFHA
6.375%
Conventional
7.125%
- FHA saves $6,332 / 10 yrs
FHA vs Conventional
740 credit, 5% down
See the full comparisonFHA
6.375%
Conventional
6.999%
How we stack up
Lower rates than Zillow and Rocket
Rates up to
0.626%
lower
Mable
6.499%
Zillow
7.125%
Rocket
6.990%
Up to 0.626% lower rate
Mable
6.750%
Zillow
7.000%
Rocket
6.990%
Up to 0.25% lower rate
Mable
7.250%
Zillow
7.490%
Rocket
7.625%
Up to 0.375% lower rate
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