Fond Du Lac USDA Loan Rates, Closing Costs & Stats

FOND DU LAC, WI

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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.

    Fond Du Lac's 3 lenders originated 3 USDA loans during 2023. The total origination value was $555,000, with an average USDA loan value of $185,000.

    Fond Du Lac USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Fond Du Lac averaged 6.71% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Fond Du Lac's average USDA mortgage closing costs are $3,780.

    The average rate for the prior week (2025-02-07) was 6.57% and one month ago for the week of 2025-01-10, the average rate was 6.72%.

    The average rate one year ago was 6.71%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.28%.

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

    Fond Du Lac 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 Fond Du Lac level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Horicon Bank 1 7.00% $3,649
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.63% $6,829
    UNION HOME MORTGAGE CORP. 1 6.63% $6,842

    The top Fond Du Lac USDA lender as defined by loan originations is Horicon Bank, with 1 USDA loans originated. Their average total fees are $3,649, which is $3,180 lower than the next largest lender, SUCCESS MORTGAGE PARTNERS, INC..

    The lowest fee Fond Du Lac USDA lenders (with over 10 loans originated) are .

    The lowest rate Fond Du Lac USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Fond Du Lac (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 $149,975 (15.5%) $194,946 (13.7%) 0.00 380
    2018-02-01 $153,650 (20.8%) $195,190 (12.1%) 0.00 385
    2018-03-01 $153,400 (11.6%) $196,444 (7.4%) 0.00 386
    2018-04-01 $149,925 (4.6%) $207,907 (9.3%) 0.00 277
    2018-05-01 $161,950 (9.2%) $219,852 (12.8%) 0.00 283
    2018-06-01 $178,750 (22.2%) $228,946 (15.2%) 0.00 283
    2018-07-01 $181,675 (21.2%) $230,001 (14.7%) 0.00 301
    2018-08-01 $178,200 (25.5%) $226,101 (14.5%) 0.00 306
    2018-09-01 $171,900 (14.7%) $219,647 (12.5%) 0.00 313
    2018-10-01 $159,900 (6.7%) $211,339 (10.6%) 0.00 337
    2018-11-01 $147,225 (-4.2%) $200,332 (2.5%) 0.00 325
    2018-12-01 $144,950 (-3.4%) $196,833 (1.2%) 0.00 287
    2019-01-01 $137,950 (-8.0%) $187,991 (-3.6%) 0.00 268
    2019-02-01 $153,150 (-0.3%) $197,638 (1.3%) 0.00 248
    2019-03-01 $162,043 (5.6%) $207,757 (5.8%) 0.00 216
    2019-04-01 $164,543 (9.8%) $217,379 (4.6%) 0.00 197
    2019-05-01 $176,450 (9.0%) $243,119 (10.6%) 0.00 208
    2019-06-01 $169,400 (-5.2%) $242,125 (5.8%) 0.00 214
    2019-07-01 $170,925 (-5.9%) $252,738 (9.9%) 0.00 242
    2019-08-01 $170,845 (-4.1%) $248,701 (10.0%) 0.00 258
    2019-09-01 $175,939 (2.4%) $251,888 (14.7%) 0.00 251
    2019-10-01 $177,734 (11.2%) $249,863 (18.2%) 0.00 251
    2019-11-01 $183,700 (24.8%) $233,212 (16.4%) 0.00 256
    2019-12-01 $174,900 (20.7%) $224,956 (14.3%) 0.00 241
    2020-01-01 $170,950 (23.9%) $233,675 (24.3%) 0.00 223
    2020-02-01 $184,900 (20.7%) $241,328 (22.1%) 0.00 208
    2020-03-01 $184,900 (14.1%) $248,806 (19.8%) 0.00 208
    2020-04-01 $193,200 (17.4%) $253,358 (16.6%) 0.00 201
    2020-05-01 $212,900 (20.7%) $266,392 (9.6%) 0.00 195
    2020-06-01 $239,450 (41.4%) $286,062 (18.2%) 0.00 178
    2020-07-01 $242,350 (41.8%) $281,925 (11.6%) 0.00 149
    2020-08-01 $235,400 (37.8%) $276,877 (11.3%) 0.00 158
    2020-09-01 $219,925 (25.0%) $271,592 (7.8%) 0.00 169
    2020-10-01 $224,900 (26.5%) $279,998 (12.1%) 0.00 159
    2020-11-01 $191,150 (4.1%) $263,687 (13.1%) 0.00 154
    2020-12-01 $167,450 (-4.3%) $249,534 (10.9%) 0.00 141
    2021-01-01 $164,450 (-3.8%) $259,266 (11.0%) 0.00 122
    2021-02-01 $192,150 (3.9%) $270,480 (12.1%) 0.00 102
    2021-03-01 $228,500 (23.6%) $284,121 (14.2%) 0.00 88
    2021-04-01 $248,650 (28.7%) $298,066 (17.7%) 0.00 84
    2021-05-01 $249,900 (17.4%) $285,977 (7.4%) 0.00 89
    2021-06-01 $206,000 (-14.0%) $299,562 (4.7%) 0.00 115
    2021-07-01 $199,950 (-17.5%) $311,540 (10.5%) 0.00 150
    2021-08-01 $196,325 (-16.6%) $294,296 (6.3%) 0.00 157
    2021-09-01 $199,900 (-9.1%) $284,606 (4.8%) 0.00 173
    2021-10-01 $224,900 (0.0%) $293,262 (4.7%) 0.00 173
    2021-11-01 $222,000 (16.1%) $289,079 (9.6%) 0.00 150
    2021-12-01 $209,900 (25.4%) $289,992 (16.2%) 0.00 117
    2022-01-01 $194,500 (18.3%) $260,651 (0.5%) 0.00 101
    2022-02-01 $207,400 (7.9%) $276,506 (2.2%) 0.00 75
    2022-03-01 $241,675 (5.8%) $300,172 (5.7%) 0.00 66
    2022-04-01 $244,900 (-1.5%) $301,858 (1.3%) 0.00 78
    2022-05-01 $283,300 (13.4%) $326,130 (14.0%) 0.00 96
    2022-06-01 $289,925 (40.7%) $328,006 (9.5%) 0.00 112
    2022-07-01 $299,000 (49.5%) $343,821 (10.4%) 0.00 138
    2022-08-01 $299,900 (52.8%) $351,011 (19.3%) 0.00 135
    2022-09-01 $279,900 (40.0%) $357,609 (25.7%) 0.00 131
    2022-10-01 $292,900 (30.2%) $395,937 (35.0%) 0.00 127
    2022-11-01 $294,925 (32.9%) $383,455 (32.7%) 0.00 129
    2022-12-01 $299,900 (42.9%) $404,204 (39.4%) 0.00 102
    2023-01-01 $329,742 (69.5%) $431,455 (65.5%) 0.00 87
    2023-02-01 $350,000 (68.8%) $451,028 (63.1%) 0.00 83
    2023-03-01 $350,000 (44.8%) $438,284 (46.0%) 0.00 88
    2023-04-01 $375,000 (53.1%) $472,416 (56.5%) 0.00 82
    2023-05-01 $340,400 (20.2%) $424,912 (30.3%) 0.00 88
    2023-06-01 $339,900 (17.2%) $404,673 (23.4%) 0.00 92
    2023-07-01 $339,900 (13.7%) $402,019 (16.9%) 0.00 102
    2023-08-01 $319,725 (6.6%) $373,496 (6.4%) 0.00 112
    2023-09-01 $319,900 (14.3%) $358,660 (0.3%) 0.00 117
    2023-10-01 $307,400 (5.0%) $363,639 (-8.2%) 0.00 123
    2023-11-01 $280,600 (-4.9%) $333,999 (-12.9%) 0.00 124
    2023-12-01 $287,400 (-4.2%) $333,567 (-17.5%) 0.00 100
    2024-01-01 $281,150 (-14.7%) $336,603 (-22.0%) 0.00 90
    2024-02-01 $342,400 (-2.2%) $371,418 (-17.7%) 0.00 96
    2024-03-01 $374,900 (7.1%) $405,295 (-7.5%) 0.00 100
    2024-04-01 $377,475 (0.7%) $398,986 (-15.5%) 0.00 117
    2024-05-01 $384,950 (13.1%) $415,794 (-2.2%) 0.00 121
    2024-06-01 $349,900 (2.9%) $397,888 (-1.7%) 0.00 132
    2024-07-01 $399,450 (17.5%) $420,599 (4.6%) 0.00 157
    2024-08-01 $359,900 (12.6%) $414,826 (11.1%) 0.00 153
    2024-09-01 $360,000 (12.5%) $411,642 (14.8%) 0.00 172
    2024-10-01 $356,200 (15.9%) $403,010 (10.8%) 0.00 177
    2024-11-01 $341,000 (21.5%) $388,099 (16.2%) 0.00 184
    2024-12-01 $341,425 (18.8%) $386,090 (15.8%) 0.00 158
    2025-01-01 $329,450 (17.2%) $394,204 (17.1%) 0.00 143
    Fond Du Lac's median listing price for 2025-01-01 was $329,450, a difference of $48,300 (17.2%) versus the prior year and $-11,975 versus the prior month.

    Fond Du Lac's median listing price comes in at 0% of the national average.

    Fond Du Lac's average listing price for 2025-01-01 was $394,204, a difference of $57,601 (17.1%) versus the prior year and $8,114 versus the prior month.

    For the 2025-01-01 period, Fond Du Lac had 143 MLS listings, a difference of -15 listings (-9%) versus the prior month and 53 listings (59%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Fond Du Lac (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,692 sqft
    2018-02-01 0 days 1,680 sqft
    2018-03-01 0 days 1,708 sqft
    2018-04-01 0 days 1,685 sqft
    2018-05-01 0 days 1,688 sqft
    2018-06-01 0 days 1,729 sqft
    2018-07-01 0 days 1,750 sqft
    2018-08-01 0 days 1,777 sqft
    2018-09-01 0 days 1,767 sqft
    2018-10-01 0 days 1,728 sqft
    2018-11-01 0 days 1,712 sqft
    2018-12-01 0 days 1,716 sqft
    2019-01-01 0 days 1,690 sqft
    2019-02-01 0 days 1,727 sqft
    2019-03-01 0 days 1,753 sqft
    2019-04-01 0 days 1,730 sqft
    2019-05-01 0 days 1,719 sqft
    2019-06-01 0 days 1,678 sqft
    2019-07-01 0 days 1,666 sqft
    2019-08-01 0 days 1,668 sqft
    2019-09-01 0 days 1,721 sqft
    2019-10-01 0 days 1,757 sqft
    2019-11-01 0 days 1,779 sqft
    2019-12-01 0 days 1,775 sqft
    2020-01-01 0 days 1,756 sqft
    2020-02-01 0 days 1,770 sqft
    2020-03-01 0 days 1,790 sqft
    2020-04-01 0 days 1,762 sqft
    2020-05-01 0 days 1,755 sqft
    2020-06-01 0 days 1,844 sqft
    2020-07-01 0 days 1,890 sqft
    2020-08-01 0 days 1,912 sqft
    2020-09-01 0 days 1,832 sqft
    2020-10-01 0 days 1,855 sqft
    2020-11-01 0 days 1,740 sqft
    2020-12-01 0 days 1,601 sqft
    2021-01-01 0 days 1,562 sqft
    2021-02-01 0 days 1,581 sqft
    2021-03-01 0 days 1,630 sqft
    2021-04-01 0 days 1,747 sqft
    2021-05-01 0 days 1,750 sqft
    2021-06-01 0 days 1,648 sqft
    2021-07-01 0 days 1,629 sqft
    2021-08-01 0 days 1,648 sqft
    2021-09-01 0 days 1,635 sqft
    2021-10-01 0 days 1,652 sqft
    2021-11-01 0 days 1,656 sqft
    2021-12-01 0 days 1,642 sqft
    2022-01-01 0 days 1,624 sqft
    2022-02-01 0 days 1,622 sqft
    2022-03-01 0 days 1,619 sqft
    2022-04-01 0 days 1,606 sqft
    2022-05-01 0 days 1,615 sqft
    2022-06-01 0 days 1,687 sqft
    2022-07-01 0 days 1,693 sqft
    2022-08-01 0 days 1,765 sqft
    2022-09-01 0 days 1,756 sqft
    2022-10-01 0 days 1,814 sqft
    2022-11-01 0 days 1,810 sqft
    2022-12-01 0 days 1,858 sqft
    2023-01-01 0 days 1,921 sqft
    2023-02-01 0 days 1,939 sqft
    2023-03-01 0 days 1,842 sqft
    2023-04-01 0 days 1,890 sqft
    2023-05-01 0 days 1,898 sqft
    2023-06-01 0 days 1,830 sqft
    2023-07-01 0 days 1,840 sqft
    2023-08-01 0 days 1,795 sqft
    2023-09-01 0 days 1,774 sqft
    2023-10-01 0 days 1,734 sqft
    2023-11-01 0 days 1,714 sqft
    2023-12-01 0 days 1,747 sqft
    2024-01-01 0 days 1,703 sqft
    2024-02-01 0 days 1,796 sqft
    2024-03-01 0 days 1,800 sqft
    2024-04-01 0 days 1,898 sqft
    2024-05-01 0 days 1,840 sqft
    2024-06-01 0 days 1,870 sqft
    2024-07-01 0 days 1,794 sqft
    2024-08-01 0 days 1,724 sqft
    2024-09-01 0 days 1,727 sqft
    2024-10-01 0 days 1,721 sqft
    2024-11-01 0 days 1,720 sqft
    2024-12-01 0 days 1,724 sqft
    2025-01-01 0 days 1,707 sqft
    Fond Du Lac's median listing age (time on market) for 2025-01-01 was 0 days.

    Fond Du Lac's median square footage for active listings during the 2025-01-01 period was 1,707 sqft. One year prior, the average listing was 1,703 sqft.