Buffalo, NY Mortgage Rates
Live Mortgage Rates in Buffalo, New York
6.490%
Buffalo Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 1:16 PM UTC
Sourced live from hundreds of wholesale lenders serving Buffalo and New York
Buffalo Benchmark Rates
Lowest available rate with no discount points paid in Buffalo, NY for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Buffalo, NY | 6.490% | 6.523% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Buffalo, NY | 5.990% | 6.026% |
VA VA Purchase (100% LTV, 680 FICO) · Buffalo, NY | 6.125% | 6.155% |
2026 Loan Limits in New York
Conforming
$832,750 baseline
High-cost New York counties go up to $1,249,125 - Buffalo may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost New York counties allow more, up to $1,249,125 - check your specific county.
About Buffalo Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Buffalo, New York homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving New York and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Buffalo property.
Your specific Buffalo rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full New York lender network, use the Rate Direct pricer.
Buffalo buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to New York, see the New York DPA guide.
Get your personalized Buffalo mortgage rate
The rates above are the market benchmark for Buffalo. Your actual rate depends on your scenario.