Take downward displacement as positive and gravitational acceleration as constant. In a vacuum, , so with initial downward velocity ,
For release from rest these become and .
A raindrop encounters an increasing upward drag force as its speed grows. At terminal velocity, gravitational weight is balanced by drag force and the small buoyancy contribution:
The drop remains in motion: zero acceleration does not imply zero velocity. In a quadratic drag force model, , giving . That formula assumes a fixed effective area and drag coefficient; sufficiently small drops or deforming large drops need an appropriate model. The question's “effective force” at settled terminal velocity is the approximately zero resultant force, not its nonzero gravitational weight.

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