Home loans and refinancing in DC

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Rates

Current purchase rates

15-yr Fixed · Purchase

Conventional

Rate

6.250%

APR

6.593%

Points (cost)

1.622($8,434)

780+ FICO · 25% down · $520,000

Repayment examples

  • Conventional Purchase — $520,000 loan at 6.250% with 25% down: 180 monthly principal-and-interest payments of approximately $4,459. APR 6.593%.

Payments shown are principal and interest over the full loan term. They do not include property taxes, homeowners insurance, or HOA dues, so your actual monthly payment will be higher. FHA examples include the financed 1.75% upfront mortgage insurance premium but not FHA monthly mortgage insurance, which FHA charges for the life of the loan when the down payment is under 10%. Conventional examples assume at least 20% down, so no mortgage insurance applies.

These are current rate examples, priced for the borrower profile shown. Your actual rate depends on credit score, loan amount, property type, occupancy, and program eligibility. Rates fluctuate and are subject to change without notice. Not a commitment to lend. Equal Housing Opportunity. NMLS #2819502. Priced October 15, 2026.

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About District Mortgage

How District Mortgage works

DC

licensed in DC

100%

digital, from application to closing

1

loan officer from pre-qualification to closing

Neighborhoods

DC neighborhood guides

Home prices and financing notes for each DC neighborhood we cover.

A row of Petworth rowhouses in Washington, D.C. — grey, mint green, navy and pale grey fronts with columned porches, iron fences and front gardens in early spring.

NW

Petworth

The Tivoli Theater at 14th and Monroe Streets NW in the Columbia Heights neighborhood, Washington, D.C.

NW

Columbia Heights

The marble fountain at the center of Dupont Circle with people gathered around it, Washington, D.C.

NW

Dupont Circle & Kalorama

The art-deco facade and marquee of the Uptown Theater on Connecticut Avenue NW, Washington, D.C.

NW

Cleveland Park

Victorian houses with gingerbread porches in the Takoma neighborhood of Washington, D.C.

NW

Takoma & Shepherd Park

The columned facade and cupola of Walter Reed's historic Building 1 under a deep blue sky, Washington, D.C.

NW

The Parks at Walter Reed

Historic Victorian mansion on Logan Circle, Washington, DC

NW

Logan Circle

The restored facade of the Howard Theatre at 620 T Street NW in Shaw, Washington, D.C., with the U.S. and DC flags flying above the marquee.

NW

Shaw & U Street

Brightly painted historic rowhouses reflected in the C&O Canal in Georgetown, Washington, D.C.

NW

Georgetown

The LeDroit Park 1873 entrance arch at 6th and T Streets NW framed by blooming cherry trees, Washington, D.C.

NW

Bloomingdale & LeDroit Park

Turreted rowhouses along 18th Street NW at Kalorama Road in Adams Morgan at dusk, Washington, D.C.

NW

Adams Morgan & Mount Pleasant

The Avalon Theatre marquee and storefronts on Connecticut Avenue NW in Chevy Chase DC, Washington, D.C.

NW

Chevy Chase DC & Upper NW

A giant panda in its outdoor habitat at the Smithsonian's National Zoo, Washington, D.C.

NW

Woodley Park

The BROOKLAND wordmark painted across the brick facade of the Brookland Arts Walk building above the Brookland–CUA Metro station, Washington, D.C.

NE

Brookland

A row of turreted Trinidad rowhouses in Washington, D.C. — red, grey and yellow brick fronts with slate witch-hat turrets against a winter sky.

NE

Trinidad & H Street

NoMa at sunset — glass and brick towers, construction cranes across the skyline, and the rail yard running past Union Station, Washington, D.C.

NE

NoMa

Detached frame houses with gabled roofs, porches and a picket fence on a corner in Deanwood, Washington, D.C.

NE

Deanwood

Brick rowhouses under a full canopy of street trees on 34th Street NE in River Terrace

NE

River Terrace & Benning

Brick Victorian row houses with a columned portico and crape myrtle in bloom on East Capitol Street, Washington, D.C.

SE

Capitol Hill East

Cedar Hill, the Frederick Douglass House, a white nineteenth-century home with a columned porch, in the Anacostia neighborhood of Washington, D.C.

SE

Historic Anacostia

A tree-lined residential street in Congress Heights, Washington, D.C., with a Victorian frame house, sunflowers in the front garden, and brick rowhouses alongside.

SE

Congress Heights

The pirate ship playground at the Fairlawn picnic area in Anacostia Park, Washington, D.C., under an autumn sky.

SE

Fairlawn

Brick semi-detached houses stepping up a hill on G Street SE in Benning Ridge at dusk

SE

Marshall Heights & Benning Ridge

Aerial view of the Bridge District on the east bank of the Anacostia River, with the arches of the Frederick Douglass Memorial Bridge and the U.S. Capitol dome on the skyline beyond, Washington, D.C.

SE

Bridge District

The 1911 Tudor Revival brick facade of Randle Highlands School, its name carved in stone above the arched entrance, Washington, D.C.

SE

Randle Highlands

A brick Tudor house and winter trees at the corner of 34th and Camden Streets SE in Hillcrest, Washington, D.C.

SE

Hillcrest & Fort Dupont

A campus street on St. Elizabeths East, Washington, D.C. — red-brick hospital buildings with tile roofs along new sidewalks, street lamps and young trees, the arena at right.

SE

St. Elizabeths East

Row houses on a tree-lined Capitol Hill street in autumn, Washington, DC

SE

Capitol Hill

Aerial view of Nationals Park and the surrounding Navy Yard neighborhood, Washington, DC

SE

Navy Yard

The Wharf at dusk — the Anthem's marquee, a water taxi, and crowds along the piers on the Washington Channel, Washington, D.C.

SW

SW Waterfront & The Wharf

DC neighborhoods by price range →

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