San Antonio USDA Loan Rates, Closing Costs & Stats

SAN ANTONIO-NEW BRAUNFELS, 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.

    San Antonio's 26 lenders originated 224 USDA loans during 2024. The total origination value was $58,820,000, with an average USDA loan value of $262,589.

    San Antonio USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in San Antonio averaged -0.6% for the week of 2026-05-29, compared to the national average (all USDA variants) of 0% for the same period.

    San Antonio's average USDA mortgage closing costs are $7,050.

    The average rate for the prior week (2026-05-22) was 5.71% and one month ago for the week of 2026-04-24, the average rate was 5.56%.

    The average rate one year ago was 6.03%.

    For refis of the same type during the week of 2026-05-29, the average rate was -0.2%.

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

    San Antonio 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 San Antonio level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    EAGLE HOME MORTGAGE, LLC 71 4.36% $7,238
    DHI MORTGAGE COMPANY, LTD. 54 4.58% $6,917
    VELOCIO MORTGAGE L.L.C. 18 4.67% $10,837
    PULTE MORTGAGE LLC 14 4.56% $4,879
    GUILD MORTGAGE COMPANY 6 6.23% $10,147
    KBHS HOME LOANS, LLC 3 5.63% $6,574
    NEWREZ LLC 3 5.71% $6,544
    UNITED WHOLESALE MORTGAGE, LLC 3 6.25% $10,651
    INSPIRE HOME LOANS INC. 3 4.88% $8,843
    HOMESIDE FINANCIAL, LLC 2 6.00% $12,103
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.00% $6,140
    Paramount Residential Mortgage Group, Inc. 2 5.69% $14,286
    BROKER SOLUTIONS, INC. 2 5.88% $13,070
    V.I.P. MORTGAGE, INC. 1 5.62% $9,192
    Cornerstone First Mortgage, Inc 1 5.75% $17,888
    DAS Acquisition Company, LLC 1 6.00% $10,502
    Encompass Lending Group, LP 1 6.13% $8,302
    GUARANTEED RATE AFFINITY, LLC 1 7.25% $6,494
    HALLMARK HOME MORTGAGE, LLC 1 6.49% $9,889
    LOANDEPOT.COM, LLC 1 6.99% $6,444
    MID AMERICA MORTGAGE, INC. 1 6.88% $7,816
    Mortgage Research Center, LLC 1 6.13% $4,754
    Network Funding, L.P. 1 5.50% $11,999
    SENTE MORTGAGE, INC. 1 6.87% $11,449
    VILLAGE CAPITAL MORTGAGE 1 6.00% $12,147
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.25% $13,625

    The top San Antonio USDA lender as defined by loan originations is EAGLE HOME MORTGAGE, LLC, with 71 USDA loans originated. Their average total fees are $7,238, which is $322 higher than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee San Antonio USDA lenders (with over 10 loans originated) are PULTE MORTGAGE LLC ($4,879), DHI MORTGAGE COMPANY, LTD. ($6,917), EAGLE HOME MORTGAGE, LLC ($7,238), VELOCIO MORTGAGE L.L.C. ($10,837) and .

    The lowest rate San Antonio USDA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.36%), PULTE MORTGAGE LLC (4.56%), DHI MORTGAGE COMPANY, LTD. (4.58%), VELOCIO MORTGAGE L.L.C. (4.67%) and .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - San Antonio (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 $283,925 (-0.2%) $373,893 (0.5%) 1.05 7,238
    2018-02-01 $284,990 (-0.9%) $375,261 (-0.3%) 1.03 7,293
    2018-03-01 $291,000 (-0.3%) $381,155 (-0.1%) 1.02 7,398
    2018-04-01 $299,000 (1.5%) $385,285 (-1.6%) 1.01 7,440
    2018-05-01 $299,700 (1.6%) $388,670 (-0.9%) 1.00 7,780
    2018-06-01 $299,500 (1.2%) $390,279 (-0.7%) 1.00 8,256
    2018-07-01 $295,000 (0.9%) $387,041 (-0.3%) 0.99 8,613
    2018-08-01 $291,175 (1.9%) $382,621 (0.5%) 0.98 8,890
    2018-09-01 $287,000 (1.4%) $379,427 (0.7%) 0.96 8,707
    2018-10-01 $285,450 (2.0%) $378,349 (1.5%) 0.97 8,696
    2018-11-01 $285,000 (1.8%) $373,157 (0.2%) 0.97 8,640
    2018-12-01 $285,000 (1.4%) $372,954 (0.3%) 0.98 8,409
    2019-01-01 $285,000 (0.4%) $371,097 (-0.8%) 0.98 7,936
    2019-02-01 $285,725 (0.3%) $370,081 (-1.4%) 0.97 7,991
    2019-03-01 $291,667 (0.2%) $377,466 (-1.0%) 0.95 8,153
    2019-04-01 $295,500 (-1.2%) $385,260 (0.0%) 0.94 8,579
    2019-05-01 $295,700 (-1.3%) $389,291 (0.2%) 0.92 8,858
    2019-06-01 $295,000 (-1.5%) $390,066 (-0.1%) 0.92 9,183
    2019-07-01 $293,545 (-0.5%) $388,151 (0.3%) 0.92 9,414
    2019-08-01 $288,356 (-1.0%) $383,658 (0.3%) 0.91 9,458
    2019-09-01 $285,906 (-0.4%) $378,612 (-0.2%) 0.92 9,447
    2019-10-01 $283,094 (-0.8%) $373,233 (-1.4%) 0.91 9,486
    2019-11-01 $279,900 (-1.8%) $366,401 (-1.8%) 0.92 9,352
    2019-12-01 $278,973 (-2.1%) $363,273 (-2.6%) 0.93 9,143
    2020-01-01 $279,000 (-2.1%) $362,856 (-2.2%) 0.93 8,635
    2020-02-01 $282,990 (-1.0%) $372,894 (0.8%) 0.93 8,435
    2020-03-01 $289,450 (-0.8%) $379,961 (0.7%) 0.91 8,168
    2020-04-01 $289,000 (-2.2%) $374,953 (-2.7%) 0.91 8,356
    2020-05-01 $295,000 (-0.2%) $390,450 (0.3%) 0.90 8,016
    2020-06-01 $302,500 (2.5%) $404,885 (3.8%) 0.89 7,069
    2020-07-01 $309,000 (5.3%) $412,261 (6.2%) 0.90 6,644
    2020-08-01 $301,240 (4.5%) $410,920 (7.1%) 0.86 6,268
    2020-09-01 $299,363 (4.7%) $411,455 (8.7%) 0.86 6,034
    2020-10-01 $295,750 (4.5%) $408,013 (9.3%) 0.85 5,805
    2020-11-01 $293,876 (5.0%) $405,467 (10.7%) 0.86 5,518
    2020-12-01 $290,000 (4.0%) $399,423 (10.0%) 0.86 5,058
    2021-01-01 $289,000 (3.6%) $403,957 (11.3%) 0.86 4,327
    2021-02-01 $295,945 (4.6%) $417,943 (12.1%) 0.86 3,576
    2021-03-01 $298,690 (3.2%) $430,558 (13.3%) 0.85 2,963
    2021-04-01 $303,469 (5.0%) $448,045 (19.5%) 0.82 2,613
    2021-05-01 $308,750 (4.7%) $450,113 (15.3%) 0.82 2,706
    2021-06-01 $315,000 (4.1%) $457,145 (12.9%) 0.83 3,156
    2021-07-01 $325,108 (5.2%) $465,195 (12.8%) 0.86 3,713
    2021-08-01 $335,975 (11.5%) $454,815 (10.7%) 0.90 4,456
    2021-09-01 $330,000 (10.2%) $447,785 (8.8%) 0.88 4,581
    2021-10-01 $332,225 (12.3%) $454,224 (11.3%) 0.89 4,441
    2021-11-01 $332,085 (13.0%) $458,562 (13.1%) 0.89 4,185
    2021-12-01 $338,090 (16.6%) $463,606 (16.1%) 0.92 3,933
    2022-01-01 $339,542 (17.5%) $465,737 (15.3%) 0.92 3,556
    2022-02-01 $335,819 (13.5%) $464,621 (11.2%) 0.87 2,910
    2022-03-01 $344,500 (15.3%) $475,034 (10.3%) 0.86 2,678
    2022-04-01 $360,000 (18.6%) $489,812 (9.3%) 0.86 2,881
    2022-05-01 $379,495 (22.9%) $502,883 (11.7%) 0.87 3,791
    2022-06-01 $382,400 (21.4%) $508,441 (11.2%) 0.85 4,618
    2022-07-01 $379,900 (16.9%) $496,547 (6.7%) 0.86 6,058
    2022-08-01 $363,089 (8.1%) $480,440 (5.6%) 0.84 7,216
    2022-09-01 $359,950 (9.1%) $473,073 (5.7%) 0.84 7,512
    2022-10-01 $354,900 (6.8%) $468,663 (3.2%) 0.84 8,014
    2022-11-01 $349,999 (5.4%) $458,838 (0.1%) 0.84 8,256
    2022-12-01 $349,000 (3.2%) $457,229 (-1.4%) 0.86 7,848
    2023-01-01 $347,000 (2.2%) $456,494 (-2.0%) 0.86 7,347
    2023-02-01 $340,000 (1.3%) $453,188 (-2.5%) 0.82 7,286
    2023-03-01 $346,560 (0.6%) $467,431 (-1.6%) 0.82 6,989
    2023-04-01 $351,990 (-2.2%) $483,212 (-1.4%) 0.82 6,862
    2023-05-01 $357,520 (-5.8%) $484,088 (-3.7%) 0.81 7,329
    2023-06-01 $367,325 (-3.9%) $494,931 (-2.7%) 0.83 7,649
    2023-07-01 $365,000 (-3.9%) $490,907 (-1.1%) 0.83 8,143
    2023-08-01 $357,000 (-1.7%) $483,154 (0.6%) 0.82 8,539
    2023-09-01 $349,900 (-2.8%) $471,171 (-0.4%) 0.81 9,346
    2023-10-01 $347,000 (-2.2%) $464,766 (-0.8%) 0.82 9,661
    2023-11-01 $339,900 (-2.9%) $453,308 (-1.2%) 0.81 9,883
    2023-12-01 $335,629 (-3.8%) $449,573 (-1.7%) 0.82 9,489
    2024-01-01 $335,825 (-3.2%) $451,037 (-1.2%) 0.82 9,142
    2024-02-01 $334,948 (-1.5%) $448,896 (-1.0%) 0.81 9,231
    2024-03-01 $339,900 (-1.9%) $451,556 (-3.4%) 0.80 9,568
    2024-04-01 $344,513 (-2.1%) $459,388 (-4.9%) 0.80 9,908
    2024-05-01 $345,000 (-3.5%) $465,842 (-3.8%) 0.79 10,604
    2024-06-01 $347,900 (-5.3%) $465,993 (-5.9%) 0.79 11,385
    2024-07-01 $349,000 (-4.4%) $468,495 (-4.6%) 0.80 11,838
    2024-08-01 $342,725 (-4.0%) $461,829 (-4.4%) 0.80 11,815
    2024-09-01 $339,883 (-2.9%) $460,772 (-2.2%) 0.80 11,421
    2024-10-01 $335,000 (-3.5%) $455,876 (-1.9%) 0.79 11,365
    2024-11-01 $330,000 (-2.9%) $452,459 (-0.2%) 0.79 11,546
    2024-12-01 $329,950 (-1.7%) $447,620 (-0.4%) 0.82 11,020
    2025-01-01 $325,000 (-3.2%) $444,360 (-1.5%) 0.81 10,563
    2025-02-01 $327,000 (-2.4%) $449,017 (0.0%) 0.79 10,622
    2025-03-01 $334,990 (-1.4%) $457,385 (1.3%) 0.79 11,258
    2025-04-01 $339,950 (-1.3%) $469,505 (2.2%) 0.79 11,901
    2025-05-01 $340,000 (-1.5%) $470,158 (0.9%) 0.77 12,735
    2025-06-01 $340,275 (-2.2%) $467,923 (0.4%) 0.77 13,467
    2025-07-01 $339,700 (-2.7%) $465,960 (-0.5%) 0.77 13,574
    2025-08-01 $330,000 (-3.7%) $454,981 (-1.5%) 0.77 13,796
    2025-09-01 $330,000 (-2.9%) $455,114 (-1.2%) 0.78 13,311
    2025-10-01 $328,400 (-2.0%) $452,611 (-0.7%) 0.77 13,463
    2025-11-01 $324,900 (-1.6%) $443,813 (-1.9%) 0.78 13,302
    2025-12-01 $320,245 (-2.9%) $440,542 (-1.6%) 0.80 12,549
    2026-01-01 $319,990 (-1.5%) $439,124 (-1.2%) 0.80 12,094
    2026-02-01 $319,990 (-2.1%) $440,226 (-2.0%) 0.79 12,243
    2026-03-01 $323,950 (-3.3%) $447,528 (-2.2%) 0.78 12,516
    2026-04-01 $324,700 (-4.5%) $449,893 (-4.2%) 0.76 13,029
    San Antonio's median listing price for 2026-04-01 was $324,700, a difference of $-15,250 (-4.5%) versus the prior year and $750 versus the prior month.

    San Antonio's median listing price comes in at 76% of the national average.

    San Antonio's average listing price for 2026-04-01 was $449,893, a difference of $-19,612 (-4.2%) versus the prior year and $2,365 versus the prior month.

    For the 2026-04-01 period, San Antonio had 13,029 MLS listings, a difference of 513 listings (4%) versus the prior month and 1,128 listings (9%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - San Antonio (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 73 days 2,336 sqft
    2018-02-01 67 days 2,352 sqft
    2018-03-01 53 days 2,379 sqft
    2018-04-01 50 days 2,408 sqft
    2018-05-01 50 days 2,419 sqft
    2018-06-01 50 days 2,407 sqft
    2018-07-01 52 days 2,391 sqft
    2018-08-01 56 days 2,379 sqft
    2018-09-01 59 days 2,356 sqft
    2018-10-01 62 days 2,336 sqft
    2018-11-01 64 days 2,311 sqft
    2018-12-01 70 days 2,303 sqft
    2019-01-01 72 days 2,289 sqft
    2019-02-01 66 days 2,301 sqft
    2019-03-01 57 days 2,318 sqft
    2019-04-01 51 days 2,329 sqft
    2019-05-01 50 days 2,327 sqft
    2019-06-01 52 days 2,323 sqft
    2019-07-01 53 days 2,323 sqft
    2019-08-01 55 days 2,296 sqft
    2019-09-01 57 days 2,266 sqft
    2019-10-01 59 days 2,242 sqft
    2019-11-01 59 days 2,235 sqft
    2019-12-01 67 days 2,196 sqft
    2020-01-01 73 days 2,185 sqft
    2020-02-01 68 days 2,195 sqft
    2020-03-01 61 days 2,225 sqft
    2020-04-01 61 days 2,222 sqft
    2020-05-01 64 days 2,241 sqft
    2020-06-01 66 days 2,245 sqft
    2020-07-01 55 days 2,242 sqft
    2020-08-01 51 days 2,240 sqft
    2020-09-01 53 days 2,186 sqft
    2020-10-01 54 days 2,149 sqft
    2020-11-01 53 days 2,105 sqft
    2020-12-01 58 days 2,065 sqft
    2021-01-01 60 days 2,021 sqft
    2021-02-01 46 days 1,980 sqft
    2021-03-01 45 days 1,960 sqft
    2021-04-01 37 days 1,992 sqft
    2021-05-01 33 days 1,995 sqft
    2021-06-01 31 days 2,014 sqft
    2021-07-01 32 days 2,042 sqft
    2021-08-01 32 days 2,086 sqft
    2021-09-01 38 days 2,029 sqft
    2021-10-01 43 days 1,998 sqft
    2021-11-01 44 days 1,994 sqft
    2021-12-01 48 days 1,991 sqft
    2022-01-01 53 days 1,964 sqft
    2022-02-01 41 days 1,909 sqft
    2022-03-01 36 days 1,919 sqft
    2022-04-01 32 days 1,980 sqft
    2022-05-01 30 days 2,039 sqft
    2022-06-01 30 days 2,057 sqft
    2022-07-01 31 days 2,055 sqft
    2022-08-01 39 days 2,031 sqft
    2022-09-01 47 days 2,028 sqft
    2022-10-01 52 days 2,021 sqft
    2022-11-01 56 days 2,015 sqft
    2022-12-01 67 days 2,001 sqft
    2023-01-01 79 days 1,996 sqft
    2023-02-01 67 days 1,942 sqft
    2023-03-01 55 days 1,935 sqft
    2023-04-01 53 days 1,978 sqft
    2023-05-01 46 days 1,984 sqft
    2023-06-01 47 days 2,019 sqft
    2023-07-01 50 days 2,034 sqft
    2023-08-01 51 days 2,015 sqft
    2023-09-01 51 days 1,970 sqft
    2023-10-01 56 days 1,961 sqft
    2023-11-01 59 days 1,949 sqft
    2023-12-01 68 days 1,938 sqft
    2024-01-01 76 days 1,923 sqft
    2024-02-01 68 days 1,910 sqft
    2024-03-01 57 days 1,914 sqft
    2024-04-01 54 days 1,923 sqft
    2024-05-01 51 days 1,919 sqft
    2024-06-01 52 days 1,945 sqft
    2024-07-01 57 days 1,988 sqft
    2024-08-01 61 days 1,968 sqft
    2024-09-01 67 days 1,957 sqft
    2024-10-01 70 days 1,945 sqft
    2024-11-01 71 days 1,925 sqft
    2024-12-01 75 days 1,914 sqft
    2025-01-01 78 days 1,895 sqft
    2025-02-01 76 days 1,894 sqft
    2025-03-01 60 days 1,930 sqft
    2025-04-01 58 days 1,948 sqft
    2025-05-01 58 days 1,950 sqft
    2025-06-01 62 days 1,956 sqft
    2025-07-01 65 days 1,954 sqft
    2025-08-01 68 days 1,938 sqft
    2025-09-01 73 days 1,940 sqft
    2025-10-01 74 days 1,933 sqft
    2025-11-01 71 days 1,933 sqft
    2025-12-01 78 days 1,923 sqft
    2026-01-01 85 days 1,910 sqft
    2026-02-01 79 days 1,911 sqft
    2026-03-01 61 days 1,920 sqft
    2026-04-01 53 days 1,932 sqft
    San Antonio's median listing age (time on market) for 2026-04-01 was 53 days. This is -8% shorter than the same period one year ago.

    San Antonio's median square footage for active listings during the 2026-04-01 period was 1,932 sqft. One year prior, the average listing was 1,948 sqft.