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Harford County, MD · Rates for Oct 30, 2026

Harford County mortgage rates with ZERO Closing Costs

  • ZERO Closing Costs on eligible loans
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7.250%30-year fixed · 7.250% APR

15-year fixed: 6.625% (6.625% APR).

Monthly principal & interest
$2,729
Lender fees
$3,180 ZERO
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Rates as of Oct 30, 2026, 4:58 PM ET for a $500,000 home, 20% down, 780+ credit, primary home. Restrictions apply. Example: the payment applies that rate to your numbers, principal and interest only. Your rate may differ.

Lender fees you won’t pay

$3,180
typical lender and title fees, paid or waived by CapCenter
  • Origination fee$1,300ZERO
  • Appraisal$500ZERO
  • Settlement, title services & lender’s title$1,220ZERO
  • Credit, data & flood$160ZERO

Typical fees on a $500,000 purchase quote in Richmond, VA. Your quote shows yours.

“Refinanced our house through CapCenter and it was the easiest, most pain-free mortgage experience I’ve ever had. […]”
Chris C.Refinanced · Richmond, VA · Google review, excerpt

Family-owned since 1997

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Today in Harford County

LoanRateAPR
Conventional 30-yr7.250%7.250%
Conventional 15-yr6.625%6.625%
Veteran 30-yr6.750%6.872%
FHA 30-yr6.625%7.152%
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Today’s ZERO Closing Cost Rates in Harford County, MD

Harford County, MD · Updated Oct 30

$500K · Harford County$500,000 home · $100,000 down · Harford County, MD · 780+ · Primary

Tap any rate to see your full quote.Click any rate to see your full quote.

Conventional

Conventional 30-yr fixed rates

No points
RatePointsAPRClosingClosing costs
7.250%7.250% APR0.0007.250%ZERO7.125%7.162% APR0.3757.162%ZERO6.875%6.987% APR1.1256.987%ZERO6.750%6.923% APR1.7506.923%ZERO

Conventional 15-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.625%6.625% APR0.0006.625%ZERO6.375%6.474% APR0.6256.474%ZERO6.250%6.409% APR1.0006.409%ZERO6.125%6.363% APR1.5006.363%ZERO5.875%6.211% APR2.1256.211%ZERO

Veteran

Veteran Affairs (VA) loans are only available to US armed forces, veterans, and surviving spouses. Select FHA or Conventional if you are not eligible for a VA Loan.

Veteran 30-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.750%6.872% APR0.0006.872%ZERO6.625%6.783% APR0.3756.783%ZERO6.375%6.604% APR1.1256.604%ZERO6.250%6.527% APR1.6256.527%ZERO6.125%6.437% APR2.0006.437%ZERO

Veteran 15-yr fixed rates

Fewest points
RatePointsAPRClosingClosing costs
6.500%6.819% APR0.7506.819%ZERO6.125%6.461% APR0.8756.461%ZERO6.000%6.355% APR1.0006.355%ZERO5.875%6.289% APR1.3756.289%ZERO5.625%6.137% APR2.0006.137%ZERO

FHA

FHA 30-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.625%7.152% APR0.0007.152%ZERO6.500%7.063% APR0.3757.063%ZERO6.375%6.974% APR0.7506.974%ZERO6.250%6.911% APR1.3756.911%ZERO6.125%6.847% APR2.0006.847%ZERO

FHA 15-yr fixed rates

Fewest points
RatePointsAPRClosingClosing costs
6.500%6.978% APR0.3756.978%ZERO6.125%6.620% APR0.5006.620%ZERO6.000%6.534% APR0.7506.534%ZERO5.625%6.297% APR1.6256.297%ZERO5.500%6.251% APR2.1256.251%ZERO
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2026 loan limits

The 2026 conforming loan limit in Harford County, MD is $832,750 for a one-unit home. The 2026 FHA loan limit in Harford County, MD is $747,500 for a one-unit home.

2026 loan limits in Harford County, MD, by number of units
UnitsConformingFHA
1 unit$832,750$747,500
2 units$1,066,250$956,950
3 units$1,288,800$1,156,700
4 units$1,601,750$1,437,500

2026 limits for Harford County, MD. Sources: FHFA 2026 conforming loan limits and HUD 2026 FHA mortgage limits.

In this area

Cities in Harford County:Bel Air

Equal Housing Opportunity · REALTOR®Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Rates are estimates and subject to change without notice.

How it works

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  2. Get pre-approved

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  3. Close with ZERO

    We pay or waive the lender fees.

Harford County facts

2026 conforming limit
$832,750one-unit home
2026 FHA limit
$747,500one-unit home

Limits: FHFA and HUD 2026 files.

Questions

What are mortgage rates in Harford County today?

On Oct 30, 2026: 7.250% (7.250% APR) for a 30-year fixed, 6.625% (6.625% APR) for a 15-year fixed. Both with ZERO Closing Costs.

Are Harford County rates different from Richmond’s?

Yes, on Oct 30, 2026: 7.250% here and 7.125% in Richmond, for the same scenario.

Do these rates include closing costs?

Yes. Every rate includes ZERO Closing Costs. Points are the one optional cost.

Nearby for Harford County
Rates nearby
Bel Air mortgage ratesHoward County mortgage ratesBaltimore County mortgage ratesAnne Arundel County mortgage ratesBaltimore mortgage ratesCarroll County mortgage ratesQueen Anne's County mortgage rates
Loan limits
Harford County loan limitsHoward County loan limitsBaltimore County loan limitsAnne Arundel County loan limits
Lender
Mortgage lender in the Baltimore area
Maryland
Closing costs in Maryland
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Baltimore areaMaryland mortgage ratesAll mortgage rate locations
Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Equal Housing Lender. Rates are estimates and subject to change without notice.
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