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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.
Fortunately, for USDA, this is cheaper that the typical PMI fees you would pay for a similar FHA or conventional loan. Once you've separated that fee from the other numbers, closing costs on a USDA loan should be similar to any other loan program. A good rule of thumb is 2% - 3% of the loan amount and closing costs on the lower side (2% = ~$3600) would have a higher interest rate than closing costs on the higher side (3% = $5400).