Easton USDA Loan Rates, Closing Costs & Stats

Easton, MD

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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.

    Easton's 6 lenders originated 8 USDA loans during 2023. The total origination value was $2,510,000, with an average USDA loan value of $313,750.

    Easton USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Easton averaged 6.15% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Easton's average USDA mortgage closing costs are $6,460.

    The average rate for the prior week (2025-02-07) was 6.21% and one month ago for the week of 2025-01-10, the average rate was 6.16%.

    The average rate one year ago was 6.25%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.33%.

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

    Easton 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 Easton level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    FIRST HOME MORTGAGE CORPORATION 3 6.08% $9,638
    CMG MORTGAGE, INC. 1 6.25% $8,099
    EMM LOANS LLC 1 5.88% $8,632
    Flagstar Bank, FSB 1 5.38% $15,548
    Keystone Funding, Inc. 1 7.38% $10,057
    Prosperity Home Mortgage, LLC 1 7.63% $8,928

    The top Easton USDA lender as defined by loan originations is FIRST HOME MORTGAGE CORPORATION, with 3 USDA loans originated. Their average total fees are $9,638, which is $1,540 higher than the next largest lender, CMG MORTGAGE, INC..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Easton (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 $482,220 (7.7%) $789,299 (-8.1%) 0.00 347
    2018-02-01 $476,498 (5.0%) $791,084 (-7.2%) 0.00 324
    2018-03-01 $519,999 (14.4%) $845,991 (2.0%) 0.00 347
    2018-04-01 $529,495 (11.6%) $906,649 (8.4%) 0.00 396
    2018-05-01 $529,000 (9.5%) $908,130 (8.0%) 0.00 408
    2018-06-01 $549,000 (13.6%) $926,347 (11.4%) 0.00 405
    2018-07-01 $529,968 (6.0%) $917,006 (11.3%) 0.00 388
    2018-08-01 $544,000 (4.1%) $897,142 (4.5%) 0.00 400
    2018-09-01 $549,000 (4.6%) $882,480 (2.6%) 0.00 413
    2018-10-01 $552,175 (11.4%) $906,960 (6.2%) 0.00 406
    2018-11-01 $579,975 (18.4%) $977,598 (18.2%) 0.00 395
    2018-12-01 $595,000 (25.3%) $993,196 (25.6%) 0.00 363
    2019-01-01 $596,000 (23.6%) $1,037,387 (31.4%) 0.00 304
    2019-02-01 $595,000 (24.9%) $1,052,679 (33.1%) 0.00 318
    2019-03-01 $575,286 (10.6%) $1,009,342 (19.3%) 0.00 342
    2019-04-01 $549,225 (3.7%) $948,905 (4.7%) 0.00 375
    2019-05-01 $544,225 (2.9%) $952,602 (4.9%) 0.00 406
    2019-06-01 $539,000 (-1.8%) $994,135 (7.3%) 0.00 414
    2019-07-01 $549,974 (3.8%) $1,074,918 (17.2%) 0.00 407
    2019-08-01 $550,000 (1.1%) $1,075,767 (19.9%) 0.00 405
    2019-09-01 $550,000 (0.2%) $1,070,549 (21.3%) 0.00 406
    2019-10-01 $549,500 (-0.5%) $1,058,265 (16.7%) 0.00 401
    2019-11-01 $535,000 (-7.8%) $1,022,740 (4.6%) 0.00 386
    2019-12-01 $532,000 (-10.6%) $1,001,058 (0.8%) 0.00 337
    2020-01-01 $512,625 (-14.0%) $980,793 (-5.5%) 0.00 296
    2020-02-01 $498,000 (-16.3%) $994,178 (-5.6%) 0.00 283
    2020-03-01 $543,500 (-5.5%) $1,030,828 (2.1%) 0.00 306
    2020-04-01 $548,000 (-0.2%) $1,053,716 (11.1%) 0.00 305
    2020-05-01 $549,000 (0.9%) $1,088,594 (14.3%) 0.00 306
    2020-06-01 $549,000 (1.9%) $1,150,900 (15.8%) 0.00 268
    2020-07-01 $549,575 (-0.1%) $1,153,418 (7.3%) 0.00 241
    2020-08-01 $549,900 (0.0%) $1,175,367 (9.3%) 0.00 229
    2020-09-01 $547,250 (-0.5%) $1,227,043 (14.6%) 0.00 209
    2020-10-01 $560,000 (1.9%) $1,226,256 (15.9%) 0.00 204
    2020-11-01 $563,975 (5.4%) $1,396,934 (36.6%) 0.00 188
    2020-12-01 $550,000 (3.4%) $1,497,458 (49.6%) 0.00 165
    2021-01-01 $525,000 (2.4%) $1,555,113 (58.6%) 0.00 137
    2021-02-01 $550,000 (10.4%) $1,703,398 (71.3%) 0.00 127
    2021-03-01 $512,495 (-5.7%) $1,563,491 (51.7%) 0.00 122
    2021-04-01 $518,698 (-5.4%) $1,691,408 (60.5%) 0.00 116
    2021-05-01 $524,900 (-4.4%) $1,416,381 (30.1%) 0.00 125
    2021-06-01 $525,000 (-4.4%) $1,475,158 (28.2%) 0.00 129
    2021-07-01 $579,000 (5.4%) $1,412,374 (22.5%) 0.00 134
    2021-08-01 $554,495 (0.8%) $1,384,574 (17.8%) 0.00 127
    2021-09-01 $534,748 (-2.3%) $1,348,843 (9.9%) 0.00 130
    2021-10-01 $525,000 (-6.3%) $1,301,421 (6.1%) 0.00 128
    2021-11-01 $534,675 (-5.2%) $1,280,536 (-8.3%) 0.00 121
    2021-12-01 $466,495 (-15.2%) $1,203,225 (-19.7%) 0.00 107
    2022-01-01 $475,950 (-9.3%) $1,240,124 (-20.3%) 0.00 87
    2022-02-01 $486,200 (-11.6%) $1,197,206 (-29.7%) 0.00 72
    2022-03-01 $566,553 (10.6%) $1,181,550 (-24.4%) 0.00 65
    2022-04-01 $549,990 (6.0%) $1,241,716 (-26.6%) 0.00 64
    2022-05-01 $649,900 (23.8%) $1,451,212 (2.5%) 0.00 109
    2022-06-01 $581,220 (10.7%) $1,376,357 (-6.7%) 0.00 123
    2022-07-01 $507,495 (-12.4%) $1,371,431 (-2.9%) 0.00 129
    2022-08-01 $494,475 (-10.8%) $1,430,845 (3.3%) 0.00 128
    2022-09-01 $492,496 (-7.9%) $1,442,438 (6.9%) 0.00 128
    2022-10-01 $512,495 (-2.4%) $1,445,547 (11.1%) 0.00 131
    2022-11-01 $502,175 (-6.1%) $1,374,089 (7.3%) 0.00 123
    2022-12-01 $499,000 (7.0%) $1,369,824 (13.9%) 0.00 95
    2023-01-01 $496,500 (4.3%) $1,355,721 (9.3%) 0.00 88
    2023-02-01 $499,500 (2.7%) $1,431,962 (19.6%) 0.00 78
    2023-03-01 $491,743 (-13.2%) $1,421,084 (20.3%) 0.00 80
    2023-04-01 $696,750 (26.7%) $1,969,191 (58.6%) 0.00 93
    2023-05-01 $799,880 (23.1%) $2,169,204 (49.5%) 0.00 96
    2023-06-01 $788,720 (35.7%) $2,250,594 (63.5%) 0.00 100
    2023-07-01 $659,000 (29.9%) $2,157,564 (57.3%) 0.00 106
    2023-08-01 $757,498 (53.2%) $2,199,034 (53.7%) 0.00 108
    2023-09-01 $677,375 (37.5%) $1,979,290 (37.2%) 0.00 114
    2023-10-01 $737,475 (43.9%) $2,100,758 (45.3%) 0.00 123
    2023-11-01 $806,250 (60.6%) $2,287,932 (66.5%) 0.00 105
    2023-12-01 $699,000 (40.1%) $2,082,062 (52.0%) 0.00 93
    2024-01-01 $717,225 (44.5%) $1,902,045 (40.3%) 0.00 92
    2024-02-01 $587,172 (17.6%) $1,700,613 (18.8%) 0.00 106
    2024-03-01 $577,444 (17.4%) $1,883,040 (32.5%) 0.00 119
    2024-04-01 $656,013 (-5.9%) $1,969,858 (0.0%) 0.00 137
    2024-05-01 $662,500 (-17.2%) $1,846,677 (-14.9%) 0.00 149
    2024-06-01 $649,000 (-17.7%) $1,616,254 (-28.2%) 0.00 173
    2024-07-01 $587,450 (-10.9%) $1,521,561 (-29.5%) 0.00 177
    2024-08-01 $574,900 (-24.1%) $1,413,014 (-35.7%) 0.00 161
    2024-09-01 $560,250 (-17.3%) $1,427,569 (-27.9%) 0.00 166
    2024-10-01 $604,636 (-18.0%) $1,469,483 (-30.1%) 0.00 167
    2024-11-01 $574,900 (-28.7%) $1,410,576 (-38.4%) 0.00 169
    2024-12-01 $537,500 (-23.1%) $1,451,402 (-30.3%) 0.00 154
    2025-01-01 $532,250 (-25.8%) $1,401,250 (-26.3%) 0.00 155
    Easton's median listing price for 2025-01-01 was $532,250, a difference of $-184,975 (-25.8%) versus the prior year and $-5,250 versus the prior month.

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

    Easton's average listing price for 2025-01-01 was $1,401,250, a difference of $-500,795 (-26.3%) versus the prior year and $-50,152 versus the prior month.

    For the 2025-01-01 period, Easton had 155 MLS listings, a difference of 1 listings (1%) versus the prior month and 63 listings (68%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Easton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,545 sqft
    2018-02-01 0 days 2,530 sqft
    2018-03-01 0 days 2,600 sqft
    2018-04-01 0 days 2,576 sqft
    2018-05-01 0 days 2,597 sqft
    2018-06-01 0 days 2,552 sqft
    2018-07-01 0 days 2,489 sqft
    2018-08-01 0 days 2,532 sqft
    2018-09-01 0 days 2,482 sqft
    2018-10-01 0 days 2,510 sqft
    2018-11-01 0 days 2,565 sqft
    2018-12-01 0 days 2,592 sqft
    2019-01-01 0 days 2,605 sqft
    2019-02-01 0 days 2,615 sqft
    2019-03-01 0 days 2,582 sqft
    2019-04-01 0 days 2,546 sqft
    2019-05-01 0 days 2,569 sqft
    2019-06-01 0 days 2,605 sqft
    2019-07-01 0 days 2,700 sqft
    2019-08-01 0 days 2,691 sqft
    2019-09-01 0 days 2,678 sqft
    2019-10-01 0 days 2,657 sqft
    2019-11-01 0 days 2,536 sqft
    2019-12-01 0 days 2,510 sqft
    2020-01-01 0 days 2,423 sqft
    2020-02-01 0 days 2,376 sqft
    2020-03-01 0 days 2,518 sqft
    2020-04-01 0 days 2,550 sqft
    2020-05-01 0 days 2,593 sqft
    2020-06-01 0 days 2,635 sqft
    2020-07-01 0 days 2,575 sqft
    2020-08-01 0 days 2,504 sqft
    2020-09-01 0 days 2,448 sqft
    2020-10-01 0 days 2,432 sqft
    2020-11-01 0 days 2,499 sqft
    2020-12-01 0 days 2,461 sqft
    2021-01-01 0 days 2,448 sqft
    2021-02-01 0 days 2,433 sqft
    2021-03-01 0 days 2,252 sqft
    2021-04-01 0 days 2,436 sqft
    2021-05-01 0 days 2,466 sqft
    2021-06-01 0 days 2,530 sqft
    2021-07-01 0 days 2,532 sqft
    2021-08-01 0 days 2,440 sqft
    2021-09-01 0 days 2,479 sqft
    2021-10-01 0 days 2,304 sqft
    2021-11-01 0 days 2,251 sqft
    2021-12-01 0 days 2,005 sqft
    2022-01-01 0 days 2,040 sqft
    2022-02-01 0 days 2,002 sqft
    2022-03-01 0 days 2,004 sqft
    2022-04-01 0 days 2,100 sqft
    2022-05-01 0 days 2,300 sqft
    2022-06-01 0 days 2,300 sqft
    2022-07-01 0 days 2,300 sqft
    2022-08-01 0 days 2,192 sqft
    2022-09-01 0 days 2,220 sqft
    2022-10-01 0 days 2,106 sqft
    2022-11-01 0 days 2,237 sqft
    2022-12-01 0 days 2,200 sqft
    2023-01-01 0 days 2,125 sqft
    2023-02-01 0 days 2,127 sqft
    2023-03-01 0 days 1,929 sqft
    2023-04-01 0 days 2,312 sqft
    2023-05-01 0 days 2,456 sqft
    2023-06-01 0 days 2,516 sqft
    2023-07-01 0 days 2,449 sqft
    2023-08-01 0 days 2,488 sqft
    2023-09-01 0 days 2,496 sqft
    2023-10-01 0 days 2,597 sqft
    2023-11-01 0 days 2,727 sqft
    2023-12-01 0 days 2,715 sqft
    2024-01-01 0 days 2,475 sqft
    2024-02-01 0 days 2,185 sqft
    2024-03-01 0 days 2,282 sqft
    2024-04-01 0 days 2,310 sqft
    2024-05-01 0 days 2,400 sqft
    2024-06-01 0 days 2,275 sqft
    2024-07-01 0 days 2,112 sqft
    2024-08-01 0 days 2,121 sqft
    2024-09-01 0 days 2,116 sqft
    2024-10-01 0 days 2,286 sqft
    2024-11-01 0 days 2,235 sqft
    2024-12-01 0 days 2,285 sqft
    2025-01-01 0 days 2,151 sqft
    Easton's median listing age (time on market) for 2025-01-01 was 0 days.

    Easton's median square footage for active listings during the 2025-01-01 period was 2,151 sqft. One year prior, the average listing was 2,475 sqft.