Deltona USDA Loan Rates, Closing Costs & Stats

DELTONA-DAYTONA BEACH-ORMOND BEACH, FL

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.

Deltona's 6 lenders originated 9 USDA loans during 2024. The total origination value was $2,275,000, with an average USDA loan value of $252,778.

Deltona USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Deltona averaged -0.04% for the week of 2025-06-20, compared to the national average (all USDA variants) of 0% for the same period.

Deltona's average USDA mortgage closing costs are $6,410.

The average rate for the prior week (2025-06-13) was 6.56% and one month ago for the week of 2025-05-16, the average rate was 6.22%.

The average rate one year ago was 6.64%.

For refis of the same type during the week of 2025-06-20, the average rate was -0.4%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Deltona 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 Deltona level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.42% $9,268
Equity Prime Mortgage LLC 2 6.25% $9,463
ALKAN MORTGAGE CORPORATION 1 5.75% $12,386
HALLMARK HOME MORTGAGE, LLC 1 6.00% $11,247
MORTGAGE FINANCIAL GROUP, INC. 1 6.75% $7,977
UNITED WHOLESALE MORTGAGE, LLC 1 6.50% $12,785

The top Deltona USDA lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 3 USDA loans originated. Their average total fees are $9,268, which is $195 lower than the next largest lender, Equity Prime Mortgage LLC.

The lowest fee Deltona USDA lenders (with over 10 loans originated) are .

The lowest rate Deltona USDA lenders (with over 10 loans originated) are .