Fargo, ND Mortgage Rates
Live Mortgage Rates in Fargo, North Dakota
6.490%
Fargo Conventional Purchase benchmark (80% LTV, 780 FICO), updated Friday, November 6, 2026 at 2:30 PM UTC
Sourced live from hundreds of wholesale lenders serving Fargo and North Dakota
Fargo Benchmark Rates
Lowest available rate with no discount points paid in Fargo, ND for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Fargo, ND | 6.490% | 6.530% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Fargo, ND | 5.875% | 5.905% |
VA VA Purchase (100% LTV, 680 FICO) · Fargo, ND | 5.990% | 6.016% |
2026 Loan Limits in North Dakota
Conforming
$832,750 baseline
FHA
$541,287
Standard FHA limit, applies to most North Dakota counties.
About Fargo Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Fargo, North Dakota homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving North Dakota and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Fargo property.
Your specific Fargo 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 North Dakota lender network, use the Rate Direct pricer.
Fargo 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 North Dakota, see the North Dakota DPA guide.
Get your personalized Fargo mortgage rate
The rates above are the market benchmark for Fargo. Your actual rate depends on your scenario.