San Antonio USDA Loan Rates, Closing Costs & Stats

SAN ANTONIO-NEW BRAUNFELS, TX

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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 37 lenders originated 154 USDA loans during 2023. The total origination value was $39,110,000, with an average USDA loan value of $253,961.

    San Antonio USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in San Antonio averaged -0.51% for the week of 2024-12-27, compared to the national average (all USDA variants) of 0% for the same period.

    San Antonio's average USDA mortgage closing costs are $6,948.

    The average rate for the prior week (2024-12-20) was 5.79% and one month ago for the week of 2024-11-22, the average rate was 5.79%.

    The average rate one year ago was 6.23%.

    For refis of the same type during the week of 2024-12-27, the average rate was 0.12%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    EAGLE HOME MORTGAGE, LLC 55 4.64% $7,612
    DHI MORTGAGE COMPANY, LTD. 32 4.98% $7,992
    CORNERSTONE HOME LENDING, INC. 14 5.93% $9,351
    AMCAP MORTGAGE, LTD. 4 6.75% $11,392
    FBC MORTGAGE, LLC 4 5.37% $9,208
    LOANDEPOT.COM, LLC 3 6.29% $7,051
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.46% $9,736
    THRIVE MORTGAGE, LLC 3 6.21% $9,887
    UNITED WHOLESALE MORTGAGE, LLC 3 6.03% $12,536
    KBHS HOME LOANS, LLC 2 5.94% $7,713
    V.I.P. MORTGAGE, INC. 2 5.69% $6,671
    FIRST CENTENNIAL MORTGAGE CORPORATION 2 5.56% $7,259
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.13% $9,165
    MORTGAGE FINANCIAL SERVICES, LLC 1 5.38% $10,601
    MOVEMENT MORTGAGE, LLC 1 6.38% $7,212
    NATIONS RELIABLE LENDING, LLC 1 7.25% $9,556
    NTFN, INC. 1 5.63% $8,564
    Plains Commerce Bank 1 6.00% $7,397
    PLAZA HOME MORTGAGE, INC. 1 5.25% $13,926
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.25% $12,325
    SECURITYNATIONAL MORTGAGE COMPANY 1 5.88% $12,914
    SENTE MORTGAGE, INC. 1 5.75% $19,779
    UNION HOME MORTGAGE CORP. 1 6.50% $11,687
    UNIVERSITY Federal Credit Union 1 5.75% $9,508
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.50% $20,081
    Assurance Financial Group, L.L.C. 1 6.13% $8,693
    CROSSCOUNTRY MORTGAGE, LLC 1 6.50% $14,331
    DIRECTIONS EQUITY, LLC 1 4.99% $5,216
    First United Bank and Trust Company 1 5.25% $12,456
    Flagstar Bank, FSB 1 6.25% $7,256
    GARDNER FINANCIAL SERVICES, LTD. 1 5.63% $13,267
    Gateway First Bank 1 7.25% $11,867
    GENEVA FINANCIAL, LLC 1 6.13% $12,741
    GUILD MORTGAGE COMPANY 1 5.13% $7,839
    1ST SIGNATURE LENDING, LLC 1 6.13% $11,038
    LOANPEOPLE, LLC 1 7.00% $7,277
    M/I FINANCIAL, LLC 1 5.00% $21,965

    The top San Antonio USDA lender as defined by loan originations is EAGLE HOME MORTGAGE, LLC, with 55 USDA loans originated. Their average total fees are $7,612, which is $380 lower than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee San Antonio USDA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC ($7,612), DHI MORTGAGE COMPANY, LTD. ($7,992), CORNERSTONE HOME LENDING, INC. ($9,351), .

    The lowest rate San Antonio USDA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.64%), DHI MORTGAGE COMPANY, LTD. (4.98%), CORNERSTONE HOME LENDING, INC. (5.93%), .

    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 (0.4%) 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 $295,750 (-1.3%) $389,326 (0.2%) 0.92 8,858
    2019-06-01 $295,000 (-1.5%) $390,060 (-0.1%) 0.92 9,185
    2019-07-01 $293,545 (-0.5%) $388,137 (0.3%) 0.92 9,414
    2019-08-01 $288,356 (-1.0%) $383,644 (0.3%) 0.91 9,458
    2019-09-01 $285,906 (-0.4%) $378,601 (-0.2%) 0.92 9,447
    2019-10-01 $283,094 (-0.8%) $373,228 (-1.4%) 0.91 9,486
    2019-11-01 $279,900 (-1.8%) $366,401 (-1.8%) 0.92 9,351
    2019-12-01 $278,968 (-2.1%) $363,231 (-2.6%) 0.93 9,142
    2020-01-01 $279,000 (-2.1%) $362,811 (-2.2%) 0.93 8,634
    2020-02-01 $282,990 (-1.0%) $372,849 (0.8%) 0.93 8,434
    2020-03-01 $289,450 (-0.8%) $379,917 (0.7%) 0.91 8,167
    2020-04-01 $289,000 (-2.2%) $374,888 (-2.7%) 0.91 8,355
    2020-05-01 $295,000 (-0.3%) $390,695 (0.4%) 0.90 8,017
    2020-06-01 $302,500 (2.5%) $405,102 (3.9%) 0.89 7,069
    2020-07-01 $309,000 (5.3%) $412,499 (6.3%) 0.90 6,644
    2020-08-01 $301,240 (4.5%) $411,176 (7.2%) 0.86 6,268
    2020-09-01 $299,363 (4.7%) $411,720 (8.8%) 0.86 6,034
    2020-10-01 $295,750 (4.5%) $408,274 (9.4%) 0.85 5,805
    2020-11-01 $293,876 (5.0%) $405,761 (10.7%) 0.86 5,518
    2020-12-01 $290,000 (4.0%) $399,560 (10.0%) 0.86 5,057
    2021-01-01 $289,000 (3.6%) $403,900 (11.3%) 0.86 4,326
    2021-02-01 $295,809 (4.5%) $417,883 (12.1%) 0.86 3,575
    2021-03-01 $298,675 (3.2%) $430,492 (13.3%) 0.85 2,962
    2021-04-01 $303,447 (5.0%) $448,010 (19.5%) 0.82 2,613
    2021-05-01 $308,750 (4.7%) $450,113 (15.2%) 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%) $454,679 (10.6%) 0.90 4,457
    2021-09-01 $330,000 (10.2%) $447,809 (8.8%) 0.88 4,582
    2021-10-01 $332,225 (12.3%) $454,224 (11.3%) 0.89 4,441
    2021-11-01 $332,085 (13.0%) $458,562 (13.0%) 0.89 4,185
    2021-12-01 $337,989 (16.6%) $463,542 (16.0%) 0.92 3,932
    2022-01-01 $339,542 (17.5%) $465,737 (15.3%) 0.92 3,555
    2022-02-01 $335,819 (13.5%) $464,621 (11.2%) 0.87 2,910
    2022-03-01 $344,500 (15.3%) $475,034 (10.4%) 0.86 2,678
    2022-04-01 $360,000 (18.6%) $489,887 (9.4%) 0.86 2,880
    2022-05-01 $379,485 (22.9%) $502,817 (11.7%) 0.87 3,789
    2022-06-01 $382,400 (21.4%) $508,372 (11.2%) 0.85 4,617
    2022-07-01 $379,900 (16.9%) $496,466 (6.7%) 0.86 6,056
    2022-08-01 $362,950 (8.0%) $480,397 (5.7%) 0.84 7,214
    2022-09-01 $359,950 (9.1%) $473,079 (5.6%) 0.84 7,512
    2022-10-01 $354,900 (6.8%) $468,567 (3.2%) 0.84 8,012
    2022-11-01 $349,995 (5.4%) $458,801 (0.1%) 0.84 8,254
    2022-12-01 $349,000 (3.3%) $457,210 (-1.4%) 0.86 7,846
    2023-01-01 $347,000 (2.2%) $456,456 (-2.0%) 0.86 7,346
    2023-02-01 $340,000 (1.3%) $453,131 (-2.5%) 0.82 7,288
    2023-03-01 $346,495 (0.6%) $467,376 (-1.6%) 0.82 6,992
    2023-04-01 $351,490 (-2.4%) $483,163 (-1.4%) 0.82 6,864
    2023-05-01 $357,496 (-5.8%) $484,041 (-3.7%) 0.81 7,331
    2023-06-01 $367,250 (-4.0%) $494,881 (-2.7%) 0.83 7,652
    2023-07-01 $365,000 (-3.9%) $490,870 (-1.1%) 0.83 8,144
    2023-08-01 $357,000 (-1.6%) $483,118 (0.6%) 0.82 8,539
    2023-09-01 $349,900 (-2.8%) $471,184 (-0.4%) 0.81 9,344
    2023-10-01 $347,000 (-2.2%) $464,768 (-0.8%) 0.82 9,659
    2023-11-01 $339,900 (-2.9%) $453,308 (-1.2%) 0.81 9,881
    2023-12-01 $335,500 (-3.9%) $449,572 (-1.7%) 0.82 9,487
    2024-01-01 $335,525 (-3.3%) $450,918 (-1.2%) 0.82 9,139
    2024-02-01 $334,900 (-1.5%) $448,895 (-0.9%) 0.81 9,229
    2024-03-01 $339,900 (-1.9%) $451,556 (-3.4%) 0.80 9,567
    2024-04-01 $344,500 (-2.0%) $459,394 (-4.9%) 0.80 9,906
    2024-05-01 $348,262 (-2.6%) $469,570 (-3.0%) 0.79 10,602
    2024-06-01 $348,900 (-5.0%) $469,682 (-5.1%) 0.78 11,371
    2024-07-01 $349,000 (-4.4%) $468,509 (-4.6%) 0.80 11,836
    2024-08-01 $342,500 (-4.1%) $461,859 (-4.4%) 0.80 11,812
    2024-09-01 $339,948 (-2.8%) $461,076 (-2.2%) 0.80 11,428
    2024-10-01 $335,000 (-3.5%) $455,853 (-1.9%) 0.79 11,359
    2024-11-01 $330,000 (-2.9%) $452,369 (-0.2%) 0.79 11,541
    San Antonio's median listing price for 2024-11-01 was $330,000, a difference of $-9,900 (-2.9%) versus the prior year and $-5,000 versus the prior month.

    San Antonio's median listing price comes in at 79% of the national average.

    San Antonio's average listing price for 2024-11-01 was $452,369, a difference of $-939 (-0.2%) versus the prior year and $-3,484 versus the prior month.

    For the 2024-11-01 period, San Antonio had 11,541 MLS listings, a difference of 182 listings (2%) versus the prior month and 1,660 listings (17%) 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 2,380 sqft
    2018-04-01 50 days 2,409 sqft
    2018-05-01 50 days 2,420 sqft
    2018-06-01 50 days 2,408 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 2,328 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 2,265 sqft
    2019-10-01 59 days 2,241 sqft
    2019-11-01 59 days 2,235 sqft
    2019-12-01 67 days 2,196 sqft
    2020-01-01 73 days 2,184 sqft
    2020-02-01 68 days 2,195 sqft
    2020-03-01 61 days 2,225 sqft
    2020-04-01 61 days 2,221 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 1,991 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 2,085 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 2,002 sqft
    2023-01-01 79 days 1,996 sqft
    2023-02-01 67 days 1,943 sqft
    2023-03-01 55 days 1,935 sqft
    2023-04-01 53 days 1,978 sqft
    2023-05-01 46 days 1,983 sqft
    2023-06-01 47 days 2,019 sqft
    2023-07-01 50 days 2,034 sqft
    2023-08-01 51 days 2,016 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 1,937 sqft
    2024-01-01 76 days 1,922 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 50 days 1,925 sqft
    2024-06-01 51 days 1,952 sqft
    2024-07-01 57 days 1,990 sqft
    2024-08-01 61 days 1,968 sqft
    2024-09-01 67 days 1,959 sqft
    2024-10-01 68 days 1,945 sqft
    2024-11-01 71 days 1,925 sqft
    San Antonio's median listing age (time on market) for 2024-11-01 was 71 days. This is 20% longer than the same period one year ago.

    San Antonio's median square footage for active listings during the 2024-11-01 period was 1,925 sqft. One year prior, the average listing was 1,949 sqft.