Compare Mortgage Rates in 77072
Pricing is opaque and fees can add up quickly. We explain points, closing costs, and DTI in clear terms so you can compare real, all-in costs for 77072.
See All-In CostsMortgage basics, no jargon
If you're tired or skimming, here's what actually matters before you compare rates in 77072.
Points
Points are upfront fees that lower your rate. They only make sense if you keep the loan long enough to earn the savings back.
Closing costs
Closing costs are the fees to finish the loan (appraisal, title, escrow, taxes, insurance). They're separate from your down payment and can add a meaningful amount to your cash to close.
DTI
DTI is your debt-to-income ratio. Lenders compare your monthly debt payments to your gross monthly income. Lower DTI usually means more options and better pricing.
Illiquid investment
A home is a big, illiquid investment. It can take time and money to sell, so buying makes the most sense if you plan to stay for a while.
Pricing is opaque on purpose.
Low rates can hide high fees. We show every line item so you can make a real apples-to-apples comparison. Ralo focuses on clear, all-in quotes so you can compare mortgage options more clearly.
Statistics describe the Census ZCTA that approximates ZIP 77072 — ZCTA boundaries are close to, but not identical with, USPS delivery areas, and the county shown is the ZCTA's dominant county.
Today's illustrative rates in 77072 (Houston, TX)
As of August 25, 2026, an illustrative 30-year fixed rate in 77072 (Houston, TX) is 6% (6.082% APR) for a 740 credit score with 20% down on a $200,000 home.
Priced August 25, 2026 from Ralo's live pricing engine for this county. Refreshed nightly.
| Credit score | 20% down | 5% down |
|---|---|---|
| 780 | 6% 6.082% APR | 6% 6.33% APR |
| 740 | 6% 6.082% APR | 6% 6.412% APR |
| 700 | 6% 6.082% APR | 6% 6.473% APR |
| 660 | 6% 6.082% APR | 6% 6.64% APR |
Est. principal & interest
$959/mo
740 score, 20% down on $200,000 — taxes and insurance vary by property
15-year fixed
5.5%
5.634% APR
7/6 ARM
6%
6.082% APR
Rates are illustrative examples, not a loan approval, rate lock, or commitment. Actual rates depend on credit score, LTV, occupancy, lock period, and loan amount. Ralo is an automated mortgage broker — not a lender — and earns a thin commission.
About 77072
Location
77072 is located in Houston, Harris County, Texas. Incomes and home prices can vary widely by neighborhood and property type.
Housing Market
Home prices vary across 77072, so the right loan type depends on your budget, down payment, and credit profile. It is common to compare conventional, jumbo, and ARM options.
Recommended Loan Types
Conventional
Varies by program; more down can lower costs.
Varies by lender; stronger scores usually price better.
Jumbo
Often higher than conventional; varies by lender and property.
Typically higher; lender-specific.
ARM
Varies by program; more down can lower costs.
Varies by lender; stronger scores usually price better.
Tips for Buying in 77072
Ask for a full quote that includes rate, points, and closing costs. That's the only way to compare fairly.
Keep your DTI low by paying down monthly debts before you shop.
Plan cash-to-close: down payment + closing costs + prepaid taxes/insurance.
Remember a home is illiquid. It's expensive to sell, so buying makes more sense if you plan to stay.
The Questions Everyone Asks
Other Zip Codes in Texas
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Mortgage pricing is opaque. Compare rate, points, and fees side by side so you can see the real cost. Ralo shows every line item so you can compare mortgage options more clearly.
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