Dumas USDA Loan Rates, Closing Costs & Stats

Dumas, TX

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    • 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.

    Dumas's 1 lenders originated 1 USDA loans during 2023. The total origination value was $245,000, with an average USDA loan value of $245,000.

    Dumas USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Dumas averaged 6.92% for the week of 2024-04-19, compared to the national average (all USDA variants) of 6.863% for the same period.

    Dumas's average USDA mortgage closing costs are $5,789.

    The average rate for the prior week (2024-04-12) was 6.87% and one month ago for the week of 2024-03-15, the average rate was 6.45%.

    The average rate one year ago was 6.49%.

    For refis of the same type during the week of 2024-04-19, the average rate was 6.96%.

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

    Dumas 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 Dumas level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 1 6.13% $11,868

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Dumas (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 $199,964 (42.9%) $218,690 (39.2%) 0.00 43
    2018-02-01 $199,900 (49.5%) $222,391 (42.4%) 0.00 43
    2018-03-01 $189,250 (18.7%) $205,256 (10.3%) 0.00 42
    2018-04-01 $186,750 (17.5%) $206,309 (12.1%) 0.00 43
    2018-05-01 $187,125 (25.0%) $201,396 (15.6%) 0.00 44
    2018-06-01 $199,000 (23.5%) $215,853 (12.3%) 0.00 54
    2018-07-01 $196,625 (21.0%) $210,451 (9.0%) 0.00 66
    2018-08-01 $193,625 (3.3%) $206,298 (2.1%) 0.00 66
    2018-09-01 $192,500 (11.9%) $207,039 (3.7%) 0.00 66
    2018-10-01 $199,000 (2.3%) $218,218 (1.8%) 0.00 62
    2018-11-01 $196,750 (-1.6%) $211,942 (-1.0%) 0.00 60
    2018-12-01 $198,500 (-0.7%) $208,309 (-4.7%) 0.00 56
    2019-01-01 $192,875 (-3.6%) $199,808 (-8.6%) 0.00 59
    2019-02-01 $188,500 (-5.7%) $197,080 (-11.4%) 0.00 66
    2019-03-01 $169,143 (-10.6%) $193,218 (-5.9%) 0.00 63
    2019-04-01 $151,143 (-19.1%) $185,071 (-10.3%) 0.00 58
    2019-05-01 $175,225 (-6.4%) $185,749 (-7.8%) 0.00 57
    2019-06-01 $166,000 (-16.6%) $188,943 (-12.5%) 0.00 62
    2019-07-01 $164,125 (-16.5%) $183,851 (-12.6%) 0.00 62
    2019-08-01 $168,000 (-13.2%) $185,351 (-10.2%) 0.00 59
    2019-09-01 $174,750 (-9.2%) $190,109 (-8.2%) 0.00 55
    2019-10-01 $179,350 (-9.9%) $193,281 (-11.4%) 0.00 53
    2019-11-01 $185,000 (-6.0%) $189,027 (-10.8%) 0.00 56
    2019-12-01 $143,000 (-28.0%) $175,598 (-15.7%) 0.00 64
    2020-01-01 $135,000 (-30.0%) $167,610 (-16.1%) 0.00 63
    2020-02-01 $130,000 (-31.0%) $163,270 (-17.2%) 0.00 56
    2020-03-01 $131,500 (-22.3%) $161,953 (-16.2%) 0.00 60
    2020-04-01 $134,450 (-11.0%) $163,875 (-11.5%) 0.00 61
    2020-05-01 $133,500 (-23.8%) $162,901 (-12.3%) 0.00 59
    2020-06-01 $130,500 (-21.4%) $169,916 (-10.1%) 0.00 45
    2020-07-01 $159,900 (-2.6%) $171,372 (-6.8%) 0.00 45
    2020-08-01 $159,700 (-4.9%) $173,102 (-6.6%) 0.00 46
    2020-09-01 $157,900 (-9.6%) $173,637 (-8.7%) 0.00 43
    2020-10-01 $148,450 (-17.2%) $175,293 (-9.3%) 0.00 42
    2020-11-01 $159,925 (-13.6%) $177,847 (-5.9%) 0.00 39
    2020-12-01 $152,450 (6.6%) $161,452 (-8.1%) 0.00 34
    2021-01-01 $155,000 (14.8%) $179,908 (7.3%) 0.00 27
    2021-02-01 $151,900 (16.9%) $187,089 (14.6%) 0.00 26
    2021-03-01 $162,500 (23.6%) $208,688 (28.9%) 0.00 25
    2021-04-01 $217,500 (61.8%) $223,065 (36.1%) 0.00 24
    2021-05-01 $197,000 (47.6%) $216,950 (33.2%) 0.00 21
    2021-06-01 $204,750 (56.9%) $216,812 (27.6%) 0.00 22
    2021-07-01 $165,000 (3.2%) $201,578 (17.6%) 0.00 21
    2021-08-01 $166,200 (4.1%) $184,935 (6.8%) 0.00 20
    2021-09-01 $172,500 (9.3%) $200,542 (15.5%) 0.00 19
    2021-10-01 $169,900 (14.5%) $196,758 (12.3%) 0.00 19
    2021-11-01 $160,000 (0.1%) $169,188 (-4.9%) 0.00 21
    2021-12-01 $163,750 (7.4%) $182,109 (12.8%) 0.00 19
    2022-01-01 $162,500 (4.8%) $185,875 (3.3%) 0.00 18
    2022-02-01 $169,500 (11.6%) $198,731 (6.2%) 0.00 18
    2022-03-01 $142,250 (-12.5%) $163,685 (-21.6%) 0.00 16
    2022-04-01 $182,000 (-16.3%) $213,188 (-4.4%) 0.00 18
    2022-05-01 $196,000 (-0.5%) $227,661 (4.9%) 0.00 24
    2022-06-01 $199,900 (-2.4%) $218,081 (0.6%) 0.00 29
    2022-07-01 $200,000 (21.2%) $220,322 (9.3%) 0.00 31
    2022-08-01 $198,675 (19.5%) $226,110 (22.3%) 0.00 32
    2022-09-01 $223,125 (29.4%) $241,581 (20.5%) 0.00 36
    2022-10-01 $210,000 (23.6%) $234,983 (19.4%) 0.00 38
    2022-11-01 $198,075 (23.8%) $227,617 (34.5%) 0.00 40
    2022-12-01 $179,500 (9.6%) $218,232 (19.8%) 0.00 40
    2023-01-01 $167,783 (3.3%) $217,998 (17.3%) 0.00 48
    2023-02-01 $178,750 (5.5%) $220,970 (11.2%) 0.00 47
    2023-03-01 $190,000 (33.6%) $233,304 (42.5%) 0.00 44
    2023-04-01 $235,000 (29.1%) $262,276 (23.0%) 0.00 32
    2023-05-01 $234,750 (19.8%) $267,837 (17.7%) 0.00 26
    2023-06-01 $230,000 (15.1%) $260,978 (19.7%) 0.00 27
    2023-07-01 $220,000 (10.0%) $241,127 (9.4%) 0.00 32
    2023-08-01 $220,000 (10.7%) $249,538 (10.4%) 0.00 35
    2023-09-01 $220,000 (-1.4%) $255,877 (5.9%) 0.00 38
    2023-10-01 $230,500 (9.8%) $249,683 (6.3%) 0.00 45
    2023-11-01 $231,225 (16.7%) $260,378 (14.4%) 0.00 47
    2023-12-01 $238,000 (32.6%) $264,439 (21.2%) 0.00 43
    2024-01-01 $244,950 (46.0%) $274,721 (26.0%) 0.00 41
    2024-02-01 $262,000 (46.6%) $276,130 (25.0%) 0.00 39
    2024-03-01 $257,500 (35.5%) $289,211 (24.0%) 0.00 45
    Dumas's median listing price for 2024-03-01 was $257,500, a difference of $67,500 (35.5%) versus the prior year and $-4,500 versus the prior month.

    Dumas's median listing price comes in at 0% of the national average.

    Dumas's average listing price for 2024-03-01 was $289,211, a difference of $55,907 (24.0%) versus the prior year and $13,081 versus the prior month.

    For the 2024-03-01 period, Dumas had 45 MLS listings, a difference of 6 listings (15%) versus the prior month and 1 listings (2%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Dumas (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,099 sqft
    2018-02-01 0 days 2,121 sqft
    2018-03-01 0 days 2,092 sqft
    2018-04-01 0 days 1,810 sqft
    2018-05-01 0 days 1,850 sqft
    2018-06-01 0 days 2,276 sqft
    2018-07-01 0 days 2,219 sqft
    2018-08-01 0 days 2,200 sqft
    2018-09-01 0 days 2,276 sqft
    2018-10-01 0 days 2,308 sqft
    2018-11-01 0 days 2,269 sqft
    2018-12-01 0 days 2,184 sqft
    2019-01-01 0 days 1,925 sqft
    2019-02-01 0 days 1,945 sqft
    2019-03-01 0 days 1,878 sqft
    2019-04-01 0 days 1,787 sqft
    2019-05-01 0 days 1,843 sqft
    2019-06-01 0 days 1,882 sqft
    2019-07-01 0 days 1,780 sqft
    2019-08-01 0 days 1,838 sqft
    2019-09-01 0 days 1,911 sqft
    2019-10-01 0 days 1,953 sqft
    2019-11-01 0 days 1,894 sqft
    2019-12-01 0 days 1,776 sqft
    2020-01-01 0 days 1,621 sqft
    2020-02-01 0 days 1,596 sqft
    2020-03-01 0 days 1,604 sqft
    2020-04-01 0 days 1,666 sqft
    2020-05-01 0 days 1,536 sqft
    2020-06-01 0 days 1,552 sqft
    2020-07-01 0 days 1,752 sqft
    2020-08-01 0 days 1,707 sqft
    2020-09-01 0 days 1,631 sqft
    2020-10-01 0 days 1,431 sqft
    2020-11-01 0 days 1,473 sqft
    2020-12-01 0 days 1,450 sqft
    2021-01-01 0 days 1,435 sqft
    2021-02-01 0 days 1,398 sqft
    2021-03-01 0 days 1,564 sqft
    2021-04-01 0 days 1,794 sqft
    2021-05-01 0 days 1,636 sqft
    2021-06-01 0 days 1,802 sqft
    2021-07-01 0 days 1,715 sqft
    2021-08-01 0 days 1,555 sqft
    2021-09-01 0 days 1,943 sqft
    2021-10-01 0 days 1,467 sqft
    2021-11-01 0 days 1,527 sqft
    2021-12-01 0 days 1,643 sqft
    2022-01-01 0 days 1,600 sqft
    2022-02-01 0 days 1,725 sqft
    2022-03-01 0 days 1,554 sqft
    2022-04-01 0 days 1,756 sqft
    2022-05-01 0 days 1,796 sqft
    2022-06-01 0 days 1,710 sqft
    2022-07-01 0 days 1,711 sqft
    2022-08-01 0 days 1,629 sqft
    2022-09-01 0 days 1,947 sqft
    2022-10-01 0 days 1,981 sqft
    2022-11-01 0 days 1,984 sqft
    2022-12-01 0 days 1,807 sqft
    2023-01-01 0 days 1,728 sqft
    2023-02-01 0 days 1,638 sqft
    2023-03-01 0 days 1,761 sqft
    2023-04-01 0 days 2,167 sqft
    2023-05-01 0 days 2,168 sqft
    2023-06-01 0 days 2,064 sqft
    2023-07-01 0 days 2,010 sqft
    2023-08-01 0 days 2,003 sqft
    2023-09-01 0 days 2,034 sqft
    2023-10-01 0 days 1,966 sqft
    2023-11-01 0 days 1,965 sqft
    2023-12-01 0 days 1,835 sqft
    2024-01-01 0 days 2,009 sqft
    2024-02-01 0 days 2,188 sqft
    2024-03-01 0 days 2,054 sqft
    Dumas's median listing age (time on market) for 2024-03-01 was 0 days.

    Dumas's median square footage for active listings during the 2024-03-01 period was 2,054 sqft. One year prior, the average listing was 1,761 sqft.