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Current USDA Loan Rate Details. The current usda loan usda loan rate is 3.57% with 4.06% APR. . That is up from last weeks rate which was % with an % APR. The chart and table provide extended details on the USDA Loan usda loan rate over the last three months. The chart plots the usda loan usda loan rate and apr with points for each rate adjustment while the table lays out the average rate, points and apr by day.
Most 100% LTV loans in the past were considered sub-prime loans with considerably higher rates. This USDA rural development mortgage is not a sub-prime loan! The interest rate is based on market rates. The maximum is either one (1), the FNMA 90-day, A/A plus 60 basis points rounded to the nearest 1/4%. OR two (2), the lenders posted VA rate.