Amsterdam USDA Loan Rates, Closing Costs & Stats
Amsterdam, NY
USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.
Amsterdam's 4 lenders originated 7 USDA loans during 2023. The total origination value was $1,045,000, with an average USDA loan value of $149,286.
Amsterdam USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Amsterdam
averaged
6.68%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Amsterdam's average USDA mortgage closing costs are $3,751.
The average rate for the prior week (2025-02-07) was
6.34% and
one month ago for the week of 2025-01-10, the
average rate was 6.68%.
The average rate one year ago was 6.57%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.63%.
Amsterdam USDA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Amsterdam level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| HOMESTEAD FUNDING CORP. | 4 | 6.38% | $2,594 |
| Flagstar Bank, FSB | 1 | 6.75% | $3,825 |
| NEWREZ LLC | 1 | 6.75% | $4,073 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 7.13% | $5,025 |
The top Amsterdam USDA lender as defined by loan originations is HOMESTEAD FUNDING CORP., with
4 USDA loans originated. Their average total fees are
$2,594, which is $1,230
lower than the next largest lender,
Flagstar Bank, FSB.
The lowest fee Amsterdam USDA lenders (with over 10 loans originated) are
.
The lowest rate Amsterdam USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Amsterdam (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $128,225 (28.3%) | $152,877 (14.1%) | 0.00 | 170 |
| 2018-02-01 | $134,900 (42.8%) | $156,550 (21.5%) | 0.00 | 162 |
| 2018-03-01 | $134,950 (40.9%) | $158,429 (27.2%) | 0.00 | 168 |
| 2018-04-01 | $135,000 (22.8%) | $163,346 (26.5%) | 0.00 | 170 |
| 2018-05-01 | $137,000 (28.2%) | $174,190 (28.9%) | 0.00 | 178 |
| 2018-06-01 | $134,900 (25.8%) | $175,084 (28.9%) | 0.00 | 185 |
| 2018-07-01 | $129,900 (8.3%) | $171,510 (20.6%) | 0.00 | 180 |
| 2018-08-01 | $129,900 (9.2%) | $173,285 (22.2%) | 0.00 | 175 |
| 2018-09-01 | $125,000 (5.3%) | $172,764 (19.7%) | 0.00 | 179 |
| 2018-10-01 | $129,350 (5.5%) | $175,551 (18.6%) | 0.00 | 189 |
| 2018-11-01 | $129,950 (3.2%) | $175,575 (18.5%) | 0.00 | 176 |
| 2018-12-01 | $124,900 (0.3%) | $172,564 (17.1%) | 0.00 | 167 |
| 2019-01-01 | $121,900 (-4.9%) | $172,225 (12.7%) | 0.00 | 158 |
| 2019-02-01 | $125,900 (-6.7%) | $172,129 (10.0%) | 0.00 | 148 |
| 2019-03-01 | $126,329 (-6.4%) | $173,260 (9.4%) | 0.00 | 143 |
| 2019-04-01 | $125,104 (-7.3%) | $171,645 (5.1%) | 0.00 | 141 |
| 2019-05-01 | $129,575 (-5.4%) | $178,316 (2.4%) | 0.00 | 154 |
| 2019-06-01 | $142,400 (5.6%) | $183,728 (4.9%) | 0.00 | 174 |
| 2019-07-01 | $137,450 (5.8%) | $184,047 (7.3%) | 0.00 | 186 |
| 2019-08-01 | $141,303 (8.8%) | $180,706 (4.3%) | 0.00 | 187 |
| 2019-09-01 | $143,257 (14.6%) | $175,680 (1.7%) | 0.00 | 187 |
| 2019-10-01 | $146,389 (13.2%) | $181,800 (3.6%) | 0.00 | 189 |
| 2019-11-01 | $139,450 (7.3%) | $183,726 (4.6%) | 0.00 | 185 |
| 2019-12-01 | $131,150 (5.0%) | $179,469 (4.0%) | 0.00 | 182 |
| 2020-01-01 | $124,900 (2.5%) | $181,261 (5.3%) | 0.00 | 165 |
| 2020-02-01 | $124,900 (-0.8%) | $182,524 (6.0%) | 0.00 | 161 |
| 2020-03-01 | $127,400 (0.9%) | $182,109 (5.1%) | 0.00 | 169 |
| 2020-04-01 | $131,175 (4.9%) | $183,434 (6.9%) | 0.00 | 169 |
| 2020-05-01 | $129,900 (0.3%) | $189,146 (6.1%) | 0.00 | 157 |
| 2020-06-01 | $135,000 (-5.2%) | $192,785 (4.9%) | 0.00 | 142 |
| 2020-07-01 | $145,000 (5.5%) | $205,827 (11.8%) | 0.00 | 133 |
| 2020-08-01 | $149,900 (6.1%) | $211,109 (16.8%) | 0.00 | 134 |
| 2020-09-01 | $149,450 (4.3%) | $204,417 (16.4%) | 0.00 | 138 |
| 2020-10-01 | $139,950 (-4.4%) | $183,850 (1.1%) | 0.00 | 125 |
| 2020-11-01 | $138,475 (-0.7%) | $180,908 (-1.5%) | 0.00 | 121 |
| 2020-12-01 | $153,725 (17.2%) | $196,580 (9.5%) | 0.00 | 104 |
| 2021-01-01 | $159,000 (27.3%) | $211,939 (16.9%) | 0.00 | 92 |
| 2021-02-01 | $171,200 (37.1%) | $232,513 (27.4%) | 0.00 | 75 |
| 2021-03-01 | $173,200 (36.0%) | $219,822 (20.7%) | 0.00 | 62 |
| 2021-04-01 | $186,125 (41.9%) | $264,770 (44.3%) | 0.00 | 57 |
| 2021-05-01 | $177,400 (36.6%) | $249,309 (31.8%) | 0.00 | 58 |
| 2021-06-01 | $163,500 (21.1%) | $243,932 (26.5%) | 0.00 | 74 |
| 2021-07-01 | $159,950 (10.3%) | $236,150 (14.7%) | 0.00 | 85 |
| 2021-08-01 | $184,975 (23.4%) | $252,401 (19.6%) | 0.00 | 94 |
| 2021-09-01 | $185,325 (24.0%) | $264,775 (29.5%) | 0.00 | 90 |
| 2021-10-01 | $178,500 (27.6%) | $242,955 (32.2%) | 0.00 | 96 |
| 2021-11-01 | $186,000 (34.3%) | $258,038 (42.6%) | 0.00 | 88 |
| 2021-12-01 | $213,100 (38.6%) | $272,284 (38.5%) | 0.00 | 79 |
| 2022-01-01 | $187,000 (17.6%) | $269,292 (27.1%) | 0.00 | 75 |
| 2022-02-01 | $186,450 (8.9%) | $261,843 (12.6%) | 0.00 | 56 |
| 2022-03-01 | $207,400 (19.8%) | $268,349 (22.1%) | 0.00 | 62 |
| 2022-04-01 | $204,450 (9.9%) | $286,034 (8.0%) | 0.00 | 53 |
| 2022-05-01 | $184,000 (3.7%) | $268,940 (7.9%) | 0.00 | 62 |
| 2022-06-01 | $204,875 (25.3%) | $256,497 (5.2%) | 0.00 | 73 |
| 2022-07-01 | $202,250 (26.5%) | $255,077 (8.0%) | 0.00 | 78 |
| 2022-08-01 | $225,725 (22.0%) | $261,404 (3.6%) | 0.00 | 77 |
| 2022-09-01 | $223,675 (20.7%) | $267,736 (1.1%) | 0.00 | 78 |
| 2022-10-01 | $209,450 (17.3%) | $260,992 (7.4%) | 0.00 | 90 |
| 2022-11-01 | $191,875 (3.2%) | $246,186 (-4.6%) | 0.00 | 93 |
| 2022-12-01 | $193,950 (-9.0%) | $245,475 (-9.9%) | 0.00 | 90 |
| 2023-01-01 | $189,450 (1.3%) | $247,971 (-7.9%) | 0.00 | 90 |
| 2023-02-01 | $193,450 (3.8%) | $254,874 (-2.7%) | 0.00 | 82 |
| 2023-03-01 | $239,450 (15.5%) | $267,385 (-0.4%) | 0.00 | 72 |
| 2023-04-01 | $239,000 (16.9%) | $265,632 (-7.1%) | 0.00 | 69 |
| 2023-05-01 | $234,225 (27.3%) | $263,571 (-2.0%) | 0.00 | 78 |
| 2023-06-01 | $222,450 (8.6%) | $243,015 (-5.3%) | 0.00 | 80 |
| 2023-07-01 | $214,450 (6.0%) | $238,192 (-6.6%) | 0.00 | 77 |
| 2023-08-01 | $214,450 (-5.0%) | $239,571 (-8.4%) | 0.00 | 74 |
| 2023-09-01 | $192,450 (-14.0%) | $235,753 (-12.0%) | 0.00 | 83 |
| 2023-10-01 | $185,975 (-11.2%) | $224,315 (-14.1%) | 0.00 | 92 |
| 2023-11-01 | $186,700 (-2.7%) | $223,639 (-9.2%) | 0.00 | 91 |
| 2023-12-01 | $187,000 (-3.6%) | $222,751 (-9.3%) | 0.00 | 85 |
| 2024-01-01 | $181,500 (-4.2%) | $220,278 (-11.2%) | 0.00 | 74 |
| 2024-02-01 | $178,500 (-7.7%) | $217,784 (-14.6%) | 0.00 | 66 |
| 2024-03-01 | $169,950 (-29.0%) | $218,377 (-18.3%) | 0.00 | 61 |
| 2024-04-01 | $169,250 (-29.2%) | $233,665 (-12.0%) | 0.00 | 57 |
| 2024-05-01 | $199,700 (-14.7%) | $254,364 (-3.5%) | 0.00 | 66 |
| 2024-06-01 | $209,950 (-5.6%) | $251,321 (3.4%) | 0.00 | 73 |
| 2024-07-01 | $208,200 (-2.9%) | $251,421 (5.6%) | 0.00 | 73 |
| 2024-08-01 | $215,000 (0.3%) | $248,320 (3.7%) | 0.00 | 85 |
| 2024-09-01 | $215,250 (11.9%) | $255,972 (8.6%) | 0.00 | 82 |
| 2024-10-01 | $210,500 (13.2%) | $245,516 (9.5%) | 0.00 | 72 |
| 2024-11-01 | $223,950 (20.0%) | $255,216 (14.1%) | 0.00 | 91 |
| 2024-12-01 | $219,125 (17.2%) | $257,559 (15.6%) | 0.00 | 86 |
| 2025-01-01 | $219,900 (21.2%) | $260,419 (18.2%) | 0.00 | 85 |
Amsterdam's median listing price comes in at 0% of the national average.
Amsterdam's average listing price for 2025-01-01 was $260,419, a difference of $40,141 (18.2%) versus the prior year and $2,860 versus the prior month.
For the 2025-01-01 period, Amsterdam had 85 MLS listings, a difference of -1 listings (-1%) versus the prior month and 11 listings (15%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Amsterdam (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,746 sqft |
| 2018-02-01 | 0 days | 1,751 sqft |
| 2018-03-01 | 0 days | 1,800 sqft |
| 2018-04-01 | 0 days | 1,804 sqft |
| 2018-05-01 | 0 days | 1,796 sqft |
| 2018-06-01 | 0 days | 1,774 sqft |
| 2018-07-01 | 0 days | 1,733 sqft |
| 2018-08-01 | 0 days | 1,732 sqft |
| 2018-09-01 | 0 days | 1,757 sqft |
| 2018-10-01 | 0 days | 1,774 sqft |
| 2018-11-01 | 0 days | 1,835 sqft |
| 2018-12-01 | 0 days | 1,800 sqft |
| 2019-01-01 | 0 days | 1,717 sqft |
| 2019-02-01 | 0 days | 1,736 sqft |
| 2019-03-01 | 0 days | 1,719 sqft |
| 2019-04-01 | 0 days | 1,701 sqft |
| 2019-05-01 | 0 days | 1,817 sqft |
| 2019-06-01 | 0 days | 1,728 sqft |
| 2019-07-01 | 0 days | 1,665 sqft |
| 2019-08-01 | 0 days | 1,721 sqft |
| 2019-09-01 | 0 days | 1,709 sqft |
| 2019-10-01 | 0 days | 1,716 sqft |
| 2019-11-01 | 0 days | 1,732 sqft |
| 2019-12-01 | 0 days | 1,699 sqft |
| 2020-01-01 | 0 days | 1,692 sqft |
| 2020-02-01 | 0 days | 1,686 sqft |
| 2020-03-01 | 0 days | 1,698 sqft |
| 2020-04-01 | 0 days | 1,700 sqft |
| 2020-05-01 | 0 days | 1,700 sqft |
| 2020-06-01 | 0 days | 1,758 sqft |
| 2020-07-01 | 0 days | 1,811 sqft |
| 2020-08-01 | 0 days | 1,864 sqft |
| 2020-09-01 | 0 days | 1,778 sqft |
| 2020-10-01 | 0 days | 1,736 sqft |
| 2020-11-01 | 0 days | 1,708 sqft |
| 2020-12-01 | 0 days | 1,654 sqft |
| 2021-01-01 | 0 days | 1,690 sqft |
| 2021-02-01 | 0 days | 1,685 sqft |
| 2021-03-01 | 0 days | 1,644 sqft |
| 2021-04-01 | 0 days | 1,845 sqft |
| 2021-05-01 | 0 days | 1,912 sqft |
| 2021-06-01 | 0 days | 1,746 sqft |
| 2021-07-01 | 0 days | 1,736 sqft |
| 2021-08-01 | 0 days | 1,794 sqft |
| 2021-09-01 | 0 days | 1,847 sqft |
| 2021-10-01 | 0 days | 1,830 sqft |
| 2021-11-01 | 0 days | 1,832 sqft |
| 2021-12-01 | 0 days | 1,905 sqft |
| 2022-01-01 | 0 days | 2,000 sqft |
| 2022-02-01 | 0 days | 1,830 sqft |
| 2022-03-01 | 0 days | 1,887 sqft |
| 2022-04-01 | 0 days | 1,880 sqft |
| 2022-05-01 | 0 days | 1,867 sqft |
| 2022-06-01 | 0 days | 1,801 sqft |
| 2022-07-01 | 0 days | 1,855 sqft |
| 2022-08-01 | 0 days | 1,857 sqft |
| 2022-09-01 | 0 days | 1,720 sqft |
| 2022-10-01 | 0 days | 1,683 sqft |
| 2022-11-01 | 0 days | 1,685 sqft |
| 2022-12-01 | 0 days | 1,816 sqft |
| 2023-01-01 | 0 days | 1,935 sqft |
| 2023-02-01 | 0 days | 1,944 sqft |
| 2023-03-01 | 0 days | 1,951 sqft |
| 2023-04-01 | 0 days | 1,942 sqft |
| 2023-05-01 | 0 days | 1,851 sqft |
| 2023-06-01 | 0 days | 1,820 sqft |
| 2023-07-01 | 0 days | 1,792 sqft |
| 2023-08-01 | 0 days | 1,691 sqft |
| 2023-09-01 | 0 days | 1,639 sqft |
| 2023-10-01 | 0 days | 1,596 sqft |
| 2023-11-01 | 0 days | 1,609 sqft |
| 2023-12-01 | 0 days | 1,613 sqft |
| 2024-01-01 | 0 days | 1,623 sqft |
| 2024-02-01 | 0 days | 1,636 sqft |
| 2024-03-01 | 0 days | 1,512 sqft |
| 2024-04-01 | 0 days | 1,581 sqft |
| 2024-05-01 | 0 days | 1,691 sqft |
| 2024-06-01 | 0 days | 1,822 sqft |
| 2024-07-01 | 0 days | 1,703 sqft |
| 2024-08-01 | 0 days | 1,838 sqft |
| 2024-09-01 | 0 days | 1,742 sqft |
| 2024-10-01 | 0 days | 1,722 sqft |
| 2024-11-01 | 0 days | 1,700 sqft |
| 2024-12-01 | 0 days | 1,708 sqft |
| 2025-01-01 | 0 days | 1,712 sqft |
Amsterdam's median square footage for active listings during the 2025-01-01 period was 1,712 sqft. One year prior, the average listing was 1,623 sqft.