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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.
if you decide to do a USDA loan (only if the area qualifies for that type of loan) you can do 100% financing. On a conventional loan you would need between 5% to 20% or more down. Youe down payment is based on the price of the house and not so much your credit score...You will still need to qualify for a house based on your income and credit. 0 0