Homosassa Springs USDA Loan Rates, Closing Costs & Stats
HOMOSASSA SPRINGS, 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.
Homosassa Springs's 19 lenders originated 38 USDA loans during 2024. The total origination value was $8,760,000, with an average USDA loan value of $230,526.
Homosassa Springs USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Homosassa Springs
averaged
6.78%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Homosassa Springs's average USDA mortgage closing costs are $6,103.
The average rate for the prior week (2025-05-16) was
6.61% and
one month ago for the week of 2025-04-18, the
average rate was 6.4%.
The average rate one year ago was 6.66%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.21%.
Homosassa Springs 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 Homosassa Springs level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| METROPLEX MORTGAGE SERVICES, INC. | 9 | 6.36% | $8,640 |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | 6.59% | $8,890 |
| CROSSCOUNTRY MORTGAGE, LLC | 3 | 6.38% | $9,727 |
| AMERICAN BANCSHARES MORTGAGE | 2 | 6.88% | $9,005 |
| EVERETT FINANCIAL, INC. | 2 | 6.81% | $9,019 |
| Paramount Residential Mortgage Group, Inc. | 2 | 6.56% | $6,428 |
| Regions Bank | 2 | 6.25% | $6,643 |
| UNITED WHOLESALE MORTGAGE, LLC | 2 | 5.87% | $14,917 |
| Hometown Equity Mortgage, LLC | 1 | 6.63% | $17,920 |
| HUNT MORTGAGE CORPORATION | 1 | 6.25% | $9,056 |
| BROKER SOLUTIONS, INC. | 1 | 6.75% | $9,548 |
| MORTGAGE EQUITY PARTNERS LLC | 1 | 6.87% | $6,978 |
| MORTGAGE FINANCIAL GROUP, INC. | 1 | 6.13% | $13,064 |
| Bell Bank | 1 | 6.63% | $6,138 |
| THE MORTGAGE FIRM, INC. | 1 | 6.63% | $7,935 |
| Equity Prime Mortgage LLC | 1 | 7.25% | $8,998 |
| Residential Acceptance Corporation | 1 | 6.75% | $11,074 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 1 | 5.99% | $15,523 |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | 6.63% | $10,305 |
The top Homosassa Springs USDA lender as defined by loan originations is METROPLEX MORTGAGE SERVICES, INC., with
9 USDA loans originated. Their average total fees are
$8,640, which is $250
lower than the next largest lender,
SUCCESS MORTGAGE PARTNERS, INC..
The lowest fee Homosassa Springs USDA lenders (with over 10 loans originated) are
.
The lowest rate Homosassa Springs USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Homosassa Springs (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 | $224,950 (12.9%) | $278,771 (13.1%) | 0.83 | 1,135 |
| 2018-02-01 | $229,575 (15.4%) | $278,371 (12.2%) | 0.83 | 1,177 |
| 2018-03-01 | $230,000 (15.1%) | $276,441 (11.2%) | 0.81 | 1,197 |
| 2018-04-01 | $229,225 (14.7%) | $275,590 (10.4%) | 0.78 | 1,204 |
| 2018-05-01 | $228,425 (13.1%) | $273,889 (6.8%) | 0.76 | 1,157 |
| 2018-06-01 | $225,000 (9.8%) | $275,133 (6.6%) | 0.75 | 1,107 |
| 2018-07-01 | $224,900 (12.8%) | $272,808 (5.8%) | 0.75 | 1,110 |
| 2018-08-01 | $223,125 (14.2%) | $268,676 (5.0%) | 0.75 | 1,138 |
| 2018-09-01 | $224,900 (15.3%) | $274,809 (6.8%) | 0.76 | 1,174 |
| 2018-10-01 | $224,950 (13.1%) | $274,484 (4.8%) | 0.76 | 1,243 |
| 2018-11-01 | $224,900 (9.7%) | $273,758 (2.9%) | 0.76 | 1,300 |
| 2018-12-01 | $219,900 (0.8%) | $263,609 (-4.3%) | 0.76 | 1,389 |
| 2019-01-01 | $219,900 (-2.2%) | $262,622 (-5.8%) | 0.76 | 1,403 |
| 2019-02-01 | $213,325 (-7.1%) | $268,041 (-3.7%) | 0.72 | 1,433 |
| 2019-03-01 | $216,564 (-5.8%) | $273,210 (-1.2%) | 0.71 | 1,388 |
| 2019-04-01 | $218,175 (-4.8%) | $275,116 (-0.2%) | 0.69 | 1,306 |
| 2019-05-01 | $217,450 (-4.8%) | $271,755 (-0.8%) | 0.68 | 1,234 |
| 2019-06-01 | $219,900 (-2.3%) | $273,124 (-0.7%) | 0.69 | 1,136 |
| 2019-07-01 | $214,950 (-4.4%) | $265,140 (-2.8%) | 0.67 | 1,102 |
| 2019-08-01 | $212,591 (-4.7%) | $267,106 (-0.6%) | 0.67 | 1,068 |
| 2019-09-01 | $216,477 (-3.8%) | $271,486 (-1.2%) | 0.69 | 1,063 |
| 2019-10-01 | $219,068 (-2.6%) | $276,606 (0.8%) | 0.71 | 1,059 |
| 2019-11-01 | $220,000 (-2.2%) | $286,819 (4.8%) | 0.72 | 1,062 |
| 2019-12-01 | $219,500 (-0.2%) | $287,306 (9.0%) | 0.73 | 1,068 |
| 2020-01-01 | $220,000 (0.1%) | $288,169 (9.7%) | 0.74 | 1,050 |
| 2020-02-01 | $219,950 (3.1%) | $284,953 (6.3%) | 0.72 | 1,053 |
| 2020-03-01 | $224,900 (3.9%) | $293,830 (7.6%) | 0.71 | 992 |
| 2020-04-01 | $219,900 (0.8%) | $289,314 (5.2%) | 0.69 | 924 |
| 2020-05-01 | $224,900 (3.4%) | $298,460 (9.8%) | 0.68 | 823 |
| 2020-06-01 | $221,013 (0.5%) | $295,815 (8.3%) | 0.65 | 697 |
| 2020-07-01 | $230,925 (7.4%) | $312,487 (17.9%) | 0.67 | 600 |
| 2020-08-01 | $229,900 (8.1%) | $309,860 (16.0%) | 0.66 | 533 |
| 2020-09-01 | $230,975 (6.7%) | $320,811 (18.2%) | 0.66 | 492 |
| 2020-10-01 | $235,250 (7.4%) | $314,721 (13.8%) | 0.67 | 564 |
| 2020-11-01 | $234,950 (6.8%) | $311,424 (8.6%) | 0.69 | 585 |
| 2020-12-01 | $238,750 (8.8%) | $329,546 (14.7%) | 0.71 | 572 |
| 2021-01-01 | $239,900 (9.1%) | $335,770 (16.5%) | 0.72 | 465 |
| 2021-02-01 | $248,900 (13.2%) | $377,274 (32.4%) | 0.72 | 393 |
| 2021-03-01 | $249,475 (10.9%) | $390,486 (32.9%) | 0.71 | 297 |
| 2021-04-01 | $251,100 (14.2%) | $377,127 (30.4%) | 0.68 | 286 |
| 2021-05-01 | $249,900 (11.1%) | $398,408 (33.5%) | 0.66 | 268 |
| 2021-06-01 | $264,250 (19.6%) | $401,526 (35.7%) | 0.70 | 296 |
| 2021-07-01 | $275,000 (19.1%) | $408,716 (30.8%) | 0.73 | 331 |
| 2021-08-01 | $274,700 (19.5%) | $411,121 (32.7%) | 0.73 | 381 |
| 2021-09-01 | $267,350 (15.8%) | $408,761 (27.4%) | 0.71 | 391 |
| 2021-10-01 | $278,375 (18.3%) | $418,069 (32.8%) | 0.74 | 418 |
| 2021-11-01 | $296,773 (26.3%) | $436,646 (40.2%) | 0.79 | 413 |
| 2021-12-01 | $299,950 (25.6%) | $445,120 (35.1%) | 0.81 | 414 |
| 2022-01-01 | $309,450 (29.0%) | $462,183 (37.7%) | 0.84 | 353 |
| 2022-02-01 | $309,975 (24.5%) | $467,543 (23.9%) | 0.81 | 321 |
| 2022-03-01 | $313,500 (25.7%) | $462,616 (18.5%) | 0.78 | 294 |
| 2022-04-01 | $317,350 (26.4%) | $433,865 (15.0%) | 0.76 | 317 |
| 2022-05-01 | $313,750 (25.6%) | $424,159 (6.5%) | 0.72 | 403 |
| 2022-06-01 | $339,125 (28.3%) | $456,400 (13.7%) | 0.76 | 491 |
| 2022-07-01 | $335,000 (21.8%) | $435,160 (6.5%) | 0.75 | 617 |
| 2022-08-01 | $329,125 (19.8%) | $408,628 (-0.6%) | 0.76 | 657 |
| 2022-09-01 | $319,325 (19.4%) | $399,548 (-2.3%) | 0.75 | 686 |
| 2022-10-01 | $329,950 (18.5%) | $409,196 (-2.1%) | 0.78 | 741 |
| 2022-11-01 | $327,250 (10.3%) | $400,127 (-8.4%) | 0.79 | 887 |
| 2022-12-01 | $319,925 (6.7%) | $390,272 (-12.3%) | 0.79 | 938 |
| 2023-01-01 | $321,313 (3.8%) | $389,814 (-15.7%) | 0.80 | 897 |
| 2023-02-01 | $329,988 (6.5%) | $400,165 (-14.4%) | 0.80 | 861 |
| 2023-03-01 | $332,475 (6.1%) | $399,914 (-13.6%) | 0.78 | 864 |
| 2023-04-01 | $325,000 (2.4%) | $395,965 (-8.7%) | 0.76 | 832 |
| 2023-05-01 | $324,950 (3.6%) | $400,316 (-5.6%) | 0.74 | 813 |
| 2023-06-01 | $327,450 (-3.4%) | $414,711 (-9.1%) | 0.74 | 800 |
| 2023-07-01 | $329,950 (-1.5%) | $409,625 (-5.9%) | 0.75 | 800 |
| 2023-08-01 | $340,731 (3.5%) | $414,244 (1.4%) | 0.78 | 823 |
| 2023-09-01 | $340,000 (6.5%) | $414,749 (3.8%) | 0.79 | 829 |
| 2023-10-01 | $345,425 (4.7%) | $415,283 (1.5%) | 0.81 | 900 |
| 2023-11-01 | $339,900 (3.9%) | $409,366 (2.3%) | 0.81 | 1,048 |
| 2023-12-01 | $339,000 (6.0%) | $409,102 (4.8%) | 0.83 | 1,109 |
| 2024-01-01 | $329,900 (2.7%) | $400,867 (2.8%) | 0.81 | 1,111 |
| 2024-02-01 | $330,075 (0.0%) | $403,422 (0.8%) | 0.79 | 1,170 |
| 2024-03-01 | $329,900 (-0.8%) | $419,281 (4.8%) | 0.78 | 1,237 |
| 2024-04-01 | $332,450 (2.3%) | $406,349 (2.6%) | 0.77 | 1,242 |
| 2024-05-01 | $332,450 (2.3%) | $409,908 (2.4%) | 0.76 | 1,242 |
| 2024-06-01 | $324,925 (-0.8%) | $411,923 (-0.7%) | 0.74 | 1,322 |
| 2024-07-01 | $325,000 (-1.5%) | $416,953 (1.8%) | 0.74 | 1,339 |
| 2024-08-01 | $325,000 (-4.6%) | $417,169 (0.7%) | 0.76 | 1,405 |
| 2024-09-01 | $329,900 (-3.0%) | $414,754 (0.0%) | 0.78 | 1,376 |
| 2024-10-01 | $324,900 (-5.9%) | $402,810 (-3.0%) | 0.76 | 1,336 |
| 2024-11-01 | $320,000 (-5.9%) | $397,317 (-2.9%) | 0.77 | 1,414 |
| 2024-12-01 | $320,995 (-5.3%) | $396,236 (-3.2%) | 0.80 | 1,485 |
| 2025-01-01 | $325,000 (-1.5%) | $404,102 (0.8%) | 0.81 | 1,481 |
| 2025-02-01 | $322,400 (-2.3%) | $399,968 (-0.9%) | 0.78 | 1,604 |
| 2025-03-01 | $319,900 (-3.0%) | $394,062 (-6.0%) | 0.75 | 1,672 |
| 2025-04-01 | $319,900 (-3.8%) | $395,139 (-2.8%) | 0.74 | 1,785 |
Homosassa Springs's median listing price comes in at 74% of the national average.
Homosassa Springs's average listing price for 2025-04-01 was $395,139, a difference of $-11,210 (-2.8%) versus the prior year and $1,077 versus the prior month.
For the 2025-04-01 period, Homosassa Springs had 1,785 MLS listings, a difference of 113 listings (7%) versus the prior month and 543 listings (44%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Homosassa Springs (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 75 days | 1,869 sqft |
| 2018-02-01 | 75 days | 1,875 sqft |
| 2018-03-01 | 66 days | 1,884 sqft |
| 2018-04-01 | 66 days | 1,857 sqft |
| 2018-05-01 | 68 days | 1,848 sqft |
| 2018-06-01 | 68 days | 1,846 sqft |
| 2018-07-01 | 72 days | 1,831 sqft |
| 2018-08-01 | 73 days | 1,831 sqft |
| 2018-09-01 | 74 days | 1,830 sqft |
| 2018-10-01 | 70 days | 1,838 sqft |
| 2018-11-01 | 69 days | 1,841 sqft |
| 2018-12-01 | 72 days | 1,815 sqft |
| 2019-01-01 | 79 days | 1,822 sqft |
| 2019-02-01 | 76 days | 1,814 sqft |
| 2019-03-01 | 74 days | 1,808 sqft |
| 2019-04-01 | 74 days | 1,802 sqft |
| 2019-05-01 | 75 days | 1,795 sqft |
| 2019-06-01 | 79 days | 1,808 sqft |
| 2019-07-01 | 79 days | 1,789 sqft |
| 2019-08-01 | 77 days | 1,772 sqft |
| 2019-09-01 | 74 days | 1,773 sqft |
| 2019-10-01 | 72 days | 1,773 sqft |
| 2019-11-01 | 68 days | 1,817 sqft |
| 2019-12-01 | 72 days | 1,812 sqft |
| 2020-01-01 | 75 days | 1,815 sqft |
| 2020-02-01 | 75 days | 1,819 sqft |
| 2020-03-01 | 70 days | 1,829 sqft |
| 2020-04-01 | 77 days | 1,819 sqft |
| 2020-05-01 | 89 days | 1,819 sqft |
| 2020-06-01 | 90 days | 1,812 sqft |
| 2020-07-01 | 66 days | 1,823 sqft |
| 2020-08-01 | 65 days | 1,777 sqft |
| 2020-09-01 | 61 days | 1,746 sqft |
| 2020-10-01 | 49 days | 1,762 sqft |
| 2020-11-01 | 50 days | 1,727 sqft |
| 2020-12-01 | 53 days | 1,734 sqft |
| 2021-01-01 | 61 days | 1,726 sqft |
| 2021-02-01 | 49 days | 1,734 sqft |
| 2021-03-01 | 42 days | 1,709 sqft |
| 2021-04-01 | 46 days | 1,690 sqft |
| 2021-05-01 | 40 days | 1,656 sqft |
| 2021-06-01 | 34 days | 1,670 sqft |
| 2021-07-01 | 37 days | 1,706 sqft |
| 2021-08-01 | 37 days | 1,705 sqft |
| 2021-09-01 | 41 days | 1,706 sqft |
| 2021-10-01 | 50 days | 1,673 sqft |
| 2021-11-01 | 46 days | 1,762 sqft |
| 2021-12-01 | 47 days | 1,732 sqft |
| 2022-01-01 | 47 days | 1,725 sqft |
| 2022-02-01 | 37 days | 1,713 sqft |
| 2022-03-01 | 36 days | 1,698 sqft |
| 2022-04-01 | 32 days | 1,681 sqft |
| 2022-05-01 | 30 days | 1,679 sqft |
| 2022-06-01 | 30 days | 1,743 sqft |
| 2022-07-01 | 35 days | 1,739 sqft |
| 2022-08-01 | 44 days | 1,714 sqft |
| 2022-09-01 | 48 days | 1,706 sqft |
| 2022-10-01 | 52 days | 1,726 sqft |
| 2022-11-01 | 50 days | 1,719 sqft |
| 2022-12-01 | 60 days | 1,690 sqft |
| 2023-01-01 | 72 days | 1,700 sqft |
| 2023-02-01 | 70 days | 1,712 sqft |
| 2023-03-01 | 55 days | 1,714 sqft |
| 2023-04-01 | 54 days | 1,690 sqft |
| 2023-05-01 | 54 days | 1,693 sqft |
| 2023-06-01 | 52 days | 1,722 sqft |
| 2023-07-01 | 56 days | 1,720 sqft |
| 2023-08-01 | 57 days | 1,732 sqft |
| 2023-09-01 | 58 days | 1,726 sqft |
| 2023-10-01 | 58 days | 1,740 sqft |
| 2023-11-01 | 53 days | 1,706 sqft |
| 2023-12-01 | 60 days | 1,699 sqft |
| 2024-01-01 | 70 days | 1,698 sqft |
| 2024-02-01 | 63 days | 1,705 sqft |
| 2024-03-01 | 57 days | 1,692 sqft |
| 2024-04-01 | 64 days | 1,692 sqft |
| 2024-05-01 | 66 days | 1,687 sqft |
| 2024-06-01 | 64 days | 1,672 sqft |
| 2024-07-01 | 66 days | 1,672 sqft |
| 2024-08-01 | 72 days | 1,676 sqft |
| 2024-09-01 | 73 days | 1,675 sqft |
| 2024-10-01 | 79 days | 1,656 sqft |
| 2024-11-01 | 79 days | 1,654 sqft |
| 2024-12-01 | 75 days | 1,681 sqft |
| 2025-01-01 | 75 days | 1,687 sqft |
| 2025-02-01 | 73 days | 1,686 sqft |
| 2025-03-01 | 63 days | 1,681 sqft |
| 2025-04-01 | 67 days | 1,688 sqft |
Homosassa Springs's median square footage for active listings during the 2025-04-01 period was 1,688 sqft. One year prior, the average listing was 1,692 sqft.