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Rappahannock County, VA · Rates for Oct 30, 2026

Rappahannock County mortgage rates with ZERO Closing Costs

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7.125%30-year fixed · 7.125% APR

15-year fixed: 6.750% (6.750% APR).

Monthly principal & interest
$2,695
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.

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Chris C.Refinanced · Richmond, VA · Google review, excerpt

Family-owned since 1997

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Today in Rappahannock County

LoanRateAPR
Conventional 30-yr7.125%7.125%
Conventional 15-yr6.750%6.750%
Veteran 30-yr6.750%6.872%
FHA 30-yr6.625%7.152%
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Today’s ZERO Closing Cost Rates in Rappahannock County, VA

Rappahannock County, VA · Updated Oct 30

$500K · Rappahannock County$500,000 home · $100,000 down · Rappahannock County, VA · 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
7.125%7.125% APR0.0007.125%ZERO7.000%7.037% APR0.3757.037%ZERO6.875%6.949% APR0.7506.949%ZERO6.750%6.886% APR1.3756.886%ZERO6.625%6.809% APR1.8756.809%ZERO

Conventional 15-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.750%6.750% APR0.0006.750%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%6.539% APR1.7506.539%ZERO6.125%6.449% APR2.1256.449%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%6.987% APR0.8756.987%ZERO6.250%6.924% APR1.5006.924%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%ZERO5.875%6.510% APR1.3756.510%ZERO5.500%6.251% APR2.1256.251%ZERO
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2026 loan limits

The 2026 conforming loan limit in Rappahannock County, VA is $1,249,125 for a one-unit home. The 2026 FHA loan limit in Rappahannock County, VA is $1,249,125 for a one-unit home.

2026 loan limits in Rappahannock County, VA, by number of units
UnitsConformingFHA
1 unit$1,249,125$1,249,125
2 units$1,599,375$1,599,375
3 units$1,933,200$1,933,200
4 units$2,402,625$2,402,625

2026 limits for Rappahannock County, VA. Sources: FHFA 2026 conforming loan limits and HUD 2026 FHA mortgage limits.

In this area

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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  3. Close with ZERO

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Rappahannock County facts

2026 conforming limit
$1,249,125one-unit home
2026 FHA limit
$1,249,125one-unit home

Limits: FHFA and HUD 2026 files.

Questions

What are mortgage rates in Rappahannock County today?

On Oct 30, 2026: 7.125% (7.125% APR) for a 30-year fixed, 6.750% (6.750% APR) for a 15-year fixed. Both with ZERO Closing Costs.

Are Rappahannock County rates different from Richmond’s?

Not on Oct 30, 2026. Same scenario, same rate: 7.125%.

Do these rates include closing costs?

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

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Loan limits
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Lender
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Veteran (VA) loans
Veteran (VA) loans in Northern Virginia
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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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