Napa USDA Loan Rates, Closing Costs & Stats

NAPA, CA

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.

Napa's 1 lenders originated 1 USDA loans during 2023. The total origination value was $475,000, with an average USDA loan value of $475,000.

Napa USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Napa averaged 6.4% for the week of 2024-06-07, compared to the national average (all USDA variants) of 6.699% for the same period.

Napa's average USDA mortgage closing costs are $25,424.

The average rate for the prior week (2024-05-31) was 6.68% and one month ago for the week of 2024-05-03, the average rate was 6.48%.

The average rate one year ago was 6.68%.

For refis of the same type during the week of 2024-06-07, the average rate was 6.7%.

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

Napa 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 Napa level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 1 5.13% $25,424

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

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


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Napa (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 $844,000 (-5.9%) $1,886,352 (6.0%) 0.00 200
2018-02-01 $849,500 (-6.4%) $1,913,916 (5.9%) 0.00 191
2018-03-01 $850,000 (-10.1%) $1,991,263 (1.9%) 0.00 236
2018-04-01 $990,162 (10.6%) $2,127,186 (6.5%) 0.00 262
2018-05-01 $999,975 (11.7%) $2,159,162 (9.7%) 0.00 320
2018-06-01 $1,047,000 (18.6%) $2,174,341 (4.8%) 0.00 364
2018-07-01 $975,000 (8.5%) $2,129,334 (1.9%) 0.00 387
2018-08-01 $912,250 (-0.3%) $2,076,468 (7.5%) 0.00 380
2018-09-01 $925,000 (0.1%) $2,043,682 (1.0%) 0.00 409
2018-10-01 $942,000 (6.2%) $2,121,273 (1.5%) 0.00 409
2018-11-01 $915,375 (7.7%) $2,018,274 (-2.8%) 0.00 384
2018-12-01 $895,000 (5.3%) $1,847,420 (-8.0%) 0.00 316
2019-01-01 $857,000 (1.5%) $1,705,471 (-9.6%) 0.00 283
2019-02-01 $849,713 (0.0%) $1,667,051 (-12.9%) 0.00 293
2019-03-01 $883,186 (3.9%) $1,788,017 (-10.2%) 0.00 332
2019-04-01 $944,750 (-4.6%) $2,109,283 (-0.8%) 0.00 363
2019-05-01 $1,022,500 (2.3%) $2,216,608 (2.7%) 0.00 439
2019-06-01 $998,250 (-4.7%) $2,239,144 (3.0%) 0.00 465
2019-07-01 $970,000 (-0.5%) $2,169,653 (1.9%) 0.00 475
2019-08-01 $949,000 (4.0%) $2,182,085 (5.1%) 0.00 475
2019-09-01 $949,000 (2.6%) $2,208,080 (8.0%) 0.00 478
2019-10-01 $949,000 (0.7%) $2,251,477 (6.1%) 0.00 477
2019-11-01 $973,000 (6.3%) $2,406,471 (19.2%) 0.00 414
2019-12-01 $948,944 (6.0%) $2,368,169 (28.2%) 0.00 312
2020-01-01 $995,000 (16.1%) $2,287,673 (34.1%) 0.00 243
2020-02-01 $995,000 (17.1%) $2,234,091 (34.0%) 0.00 284
2020-03-01 $1,066,750 (20.8%) $2,279,116 (27.5%) 0.00 333
2020-04-01 $987,000 (4.5%) $2,181,249 (3.4%) 0.00 301
2020-05-01 $989,900 (-3.2%) $2,114,283 (-4.6%) 0.00 392
2020-06-01 $1,091,250 (9.3%) $2,227,204 (-0.5%) 0.00 382
2020-07-01 $1,153,750 (18.9%) $2,313,455 (6.6%) 0.00 376
2020-08-01 $1,260,000 (32.8%) $2,409,199 (10.4%) 0.00 322
2020-09-01 $1,296,000 (36.6%) $2,693,072 (22.0%) 0.00 310
2020-10-01 $1,300,000 (37.0%) $2,620,806 (16.4%) 0.00 306
2020-11-01 $1,323,500 (36.0%) $2,795,898 (16.2%) 0.00 298
2020-12-01 $1,347,250 (42.0%) $2,771,920 (17.1%) 0.00 238
2021-01-01 $1,295,000 (30.2%) $2,704,442 (18.2%) 0.00 218
2021-02-01 $1,296,250 (30.3%) $2,912,672 (30.4%) 0.00 213
2021-03-01 $1,359,750 (27.5%) $2,902,895 (27.4%) 0.00 220
2021-04-01 $1,310,000 (32.7%) $2,956,612 (35.6%) 0.00 226
2021-05-01 $1,395,000 (40.9%) $3,138,336 (48.4%) 0.00 239
2021-06-01 $1,364,750 (25.1%) $3,105,959 (39.5%) 0.00 276
2021-07-01 $1,295,000 (12.2%) $3,118,514 (34.8%) 0.00 282
2021-08-01 $1,250,000 (-0.8%) $3,004,202 (24.7%) 0.00 274
2021-09-01 $1,299,000 (0.2%) $3,022,437 (12.2%) 0.00 272
2021-10-01 $1,250,000 (-3.9%) $2,973,927 (13.5%) 0.00 269
2021-11-01 $1,342,000 (1.4%) $3,342,329 (19.5%) 0.00 207
2021-12-01 $1,490,000 (10.6%) $3,434,267 (23.9%) 0.00 158
2022-01-01 $1,499,500 (15.8%) $3,122,800 (15.5%) 0.00 129
2022-02-01 $1,499,250 (15.7%) $3,124,545 (7.3%) 0.00 144
2022-03-01 $1,695,500 (24.7%) $3,483,337 (20.0%) 0.00 168
2022-04-01 $1,599,000 (22.1%) $3,420,415 (15.7%) 0.00 194
2022-05-01 $1,642,000 (17.7%) $3,447,090 (9.8%) 0.00 215
2022-06-01 $1,572,500 (15.2%) $3,540,751 (14.0%) 0.00 217
2022-07-01 $1,489,500 (15.0%) $3,357,098 (7.7%) 0.00 246
2022-08-01 $1,497,250 (19.8%) $3,399,639 (13.2%) 0.00 273
2022-09-01 $1,382,500 (6.4%) $3,266,821 (8.1%) 0.00 285
2022-10-01 $1,345,000 (7.6%) $3,277,188 (10.2%) 0.00 293
2022-11-01 $1,395,000 (4.0%) $3,104,419 (-7.1%) 0.00 272
2022-12-01 $1,341,525 (-10.0%) $2,946,809 (-14.2%) 0.00 213
2023-01-01 $1,225,000 (-18.3%) $2,979,610 (-4.6%) 0.00 173
2023-02-01 $1,409,250 (-6.0%) $3,028,674 (-3.1%) 0.00 182
2023-03-01 $1,485,500 (-12.4%) $3,207,923 (-7.9%) 0.00 186
2023-04-01 $1,650,000 (3.2%) $3,248,354 (-5.0%) 0.00 211
2023-05-01 $1,788,500 (8.9%) $3,260,522 (-5.4%) 0.00 245
2023-06-01 $1,697,500 (8.0%) $3,283,085 (-7.3%) 0.00 264
2023-07-01 $1,697,000 (13.9%) $3,196,750 (-4.8%) 0.00 275
2023-08-01 $1,650,000 (10.2%) $2,968,384 (-12.7%) 0.00 269
2023-09-01 $1,590,000 (15.0%) $3,151,906 (-3.5%) 0.00 311
2023-10-01 $1,566,250 (16.5%) $3,118,966 (-4.8%) 0.00 319
2023-11-01 $1,512,500 (8.4%) $3,156,117 (1.7%) 0.00 297
2023-12-01 $1,499,000 (11.7%) $3,100,087 (5.2%) 0.00 222
2024-01-01 $1,425,000 (16.3%) $3,089,103 (3.7%) 0.00 193
2024-02-01 $1,449,500 (2.9%) $3,014,527 (-0.5%) 0.00 190
2024-03-01 $1,562,000 (5.2%) $3,022,193 (-5.8%) 0.00 219
2024-04-01 $1,597,225 (-3.2%) $3,130,577 (-3.6%) 0.00 288
2024-05-01 $1,704,750 (-4.7%) $3,338,755 (2.4%) 0.00 321
Napa's median listing price for 2024-05-01 was $1,704,750, a difference of $-83,750 (-4.7%) versus the prior year and $107,525 versus the prior month.

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

Napa's average listing price for 2024-05-01 was $3,338,755, a difference of $78,233 (2.4%) versus the prior year and $208,178 versus the prior month.

For the 2024-05-01 period, Napa had 321 MLS listings, a difference of 33 listings (11%) versus the prior month and 76 listings (31%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Napa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,934 sqft
2018-02-01 0 days 1,895 sqft
2018-03-01 0 days 1,953 sqft
2018-04-01 0 days 2,063 sqft
2018-05-01 0 days 2,062 sqft
2018-06-01 0 days 2,104 sqft
2018-07-01 0 days 2,034 sqft
2018-08-01 0 days 2,016 sqft
2018-09-01 0 days 2,044 sqft
2018-10-01 0 days 2,063 sqft
2018-11-01 0 days 1,967 sqft
2018-12-01 0 days 1,949 sqft
2019-01-01 0 days 1,897 sqft
2019-02-01 0 days 1,899 sqft
2019-03-01 0 days 1,965 sqft
2019-04-01 0 days 2,089 sqft
2019-05-01 0 days 2,126 sqft
2019-06-01 0 days 2,116 sqft
2019-07-01 0 days 2,016 sqft
2019-08-01 0 days 1,989 sqft
2019-09-01 0 days 1,975 sqft
2019-10-01 0 days 1,958 sqft
2019-11-01 0 days 2,024 sqft
2019-12-01 0 days 2,034 sqft
2020-01-01 0 days 2,088 sqft
2020-02-01 0 days 2,054 sqft
2020-03-01 0 days 2,074 sqft
2020-04-01 0 days 2,047 sqft
2020-05-01 0 days 2,000 sqft
2020-06-01 0 days 2,086 sqft
2020-07-01 0 days 2,115 sqft
2020-08-01 0 days 2,159 sqft
2020-09-01 0 days 2,168 sqft
2020-10-01 0 days 2,138 sqft
2020-11-01 0 days 2,180 sqft
2020-12-01 0 days 2,073 sqft
2021-01-01 0 days 2,112 sqft
2021-02-01 0 days 2,018 sqft
2021-03-01 0 days 2,114 sqft
2021-04-01 0 days 2,128 sqft
2021-05-01 0 days 2,036 sqft
2021-06-01 0 days 2,038 sqft
2021-07-01 0 days 2,016 sqft
2021-08-01 0 days 2,113 sqft
2021-09-01 0 days 2,149 sqft
2021-10-01 0 days 2,037 sqft
2021-11-01 0 days 2,129 sqft
2021-12-01 0 days 2,087 sqft
2022-01-01 0 days 2,092 sqft
2022-02-01 0 days 2,112 sqft
2022-03-01 0 days 2,224 sqft
2022-04-01 0 days 2,166 sqft
2022-05-01 0 days 2,141 sqft
2022-06-01 0 days 2,099 sqft
2022-07-01 0 days 2,068 sqft
2022-08-01 0 days 2,137 sqft
2022-09-01 0 days 2,080 sqft
2022-10-01 0 days 2,026 sqft
2022-11-01 0 days 2,088 sqft
2022-12-01 0 days 2,067 sqft
2023-01-01 0 days 2,071 sqft
2023-02-01 0 days 2,119 sqft
2023-03-01 0 days 2,190 sqft
2023-04-01 0 days 2,276 sqft
2023-05-01 0 days 2,371 sqft
2023-06-01 0 days 2,345 sqft
2023-07-01 0 days 2,354 sqft
2023-08-01 0 days 2,310 sqft
2023-09-01 0 days 2,177 sqft
2023-10-01 0 days 2,206 sqft
2023-11-01 0 days 2,200 sqft
2023-12-01 0 days 2,090 sqft
2024-01-01 0 days 2,012 sqft
2024-02-01 0 days 2,073 sqft
2024-03-01 0 days 2,099 sqft
2024-04-01 0 days 2,133 sqft
2024-05-01 0 days 2,304 sqft
Napa's median listing age (time on market) for 2024-05-01 was 0 days.

Napa's median square footage for active listings during the 2024-05-01 period was 2,304 sqft. One year prior, the average listing was 2,371 sqft.