View current USDA rate trends and start your application when you’re ready.
Explore daily market indices from Optimal Blue OBMMI™. Data reflects actual locked rates and updates daily.
Rates data via Optimal Blue OBMMI™, updated daily.
Rates data via Optimal Blue OBMMI™. Represents a large portion of U.S. mortgage lock activity and updates daily. Displayed values are for informational purposes only and do not constitute a loan offer. Actual rates depend on credit profile, LTV, loan amount, and market conditions.
Last updated: January 13, 2026
Who qualifies for USDA loans?
Eligible rural areas and income limits apply. Check property and household eligibility.
Is there a USDA guarantee fee?
Yes, USDA loans typically include an upfront guarantee fee and annual fee.
Are USDA rates competitive?
Often comparable to FHA and conventional, with program-specific benefits.
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