The Dalles VA Loan Rates, Closing Costs & Stats

The Dalles, OR

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    The Dalles's 15 lenders originated 30 VA loans during 2024. The total origination value was $11,300,000, with an average VA loan value of $376,667.

    The Dalles VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in The Dalles averaged 6.27% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    The Dalles's average VA mortgage closing costs are $6,769.

    The average rate for the prior week (2025-03-28) was 6.69% and one month ago for the week of 2025-02-28, the average rate was 6.67%.

    The average rate one year ago was 6.58%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.86%.

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

    The Dalles VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the The Dalles level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 9 6.05% $7,004
    Mortgage Research Center, LLC 5 5.80% $2,756
    QUICKEN LOANS, LLC 2 6.63% $9,433
    UNION HOME MORTGAGE CORP. 2 6.75% $10,040
    HomeStreet Bank 1 5.88% $9,282
    LOANDEPOT.COM, LLC 1 5.75% $7,181
    NEW DAY FINANCIAL, LLC 1 6.87% $19,699
    OnPoint Community Credit Union 1 6.88% $7,796
    SUMMIT FUNDING, INC. 1 6.25% $1,887
    Umpqua Bank 1 6.00% $28,421
    ALLIANT CREDIT UNION 1 5.75% $9,335
    VILLAGE CAPITAL MORTGAGE 1 5.75% $4,064
    CROSSCOUNTRY MORTGAGE, LLC 1 5.56% $10,309
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 7.25% $28,964
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.13% $18,904

    The top The Dalles VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 9 VA loans originated. Their average total fees are $7,004, which is $4,248 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee The Dalles VA lenders (with over 10 loans originated) are .

    The lowest rate The Dalles VA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - The Dalles (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 $283,700 (5.9%) $325,223 (5.6%) 0.00 61
    2018-02-01 $293,450 (6.7%) $336,418 (3.4%) 0.00 51
    2018-03-01 $295,000 (5.7%) $345,863 (8.2%) 0.00 55
    2018-04-01 $329,000 (16.7%) $357,346 (8.3%) 0.00 65
    2018-05-01 $329,000 (13.6%) $369,903 (11.9%) 0.00 64
    2018-06-01 $330,000 (3.6%) $381,844 (11.7%) 0.00 71
    2018-07-01 $326,950 (-2.8%) $370,171 (-4.3%) 0.00 72
    2018-08-01 $329,000 (-4.3%) $362,967 (-5.7%) 0.00 84
    2018-09-01 $299,950 (-11.8%) $353,519 (-6.7%) 0.00 81
    2018-10-01 $296,175 (-7.0%) $357,805 (-3.6%) 0.00 79
    2018-11-01 $303,225 (2.6%) $371,192 (3.3%) 0.00 81
    2018-12-01 $314,950 (7.9%) $383,431 (8.4%) 0.00 72
    2019-01-01 $317,500 (11.9%) $376,056 (15.6%) 0.00 72
    2019-02-01 $312,500 (6.5%) $374,355 (11.3%) 0.00 73
    2019-03-01 $326,429 (10.7%) $378,603 (9.5%) 0.00 69
    2019-04-01 $347,000 (5.5%) $396,403 (10.9%) 0.00 70
    2019-05-01 $337,500 (2.6%) $412,991 (11.7%) 0.00 70
    2019-06-01 $345,000 (4.6%) $416,300 (9.0%) 0.00 97
    2019-07-01 $354,900 (8.6%) $428,179 (15.7%) 0.00 99
    2019-08-01 $348,455 (5.9%) $430,732 (18.7%) 0.00 102
    2019-09-01 $347,636 (15.9%) $435,863 (23.3%) 0.00 105
    2019-10-01 $347,000 (17.2%) $435,686 (21.8%) 0.00 101
    2019-11-01 $338,450 (11.6%) $431,085 (16.1%) 0.00 92
    2019-12-01 $318,675 (1.2%) $420,819 (9.8%) 0.00 85
    2020-01-01 $336,700 (6.1%) $440,707 (17.2%) 0.00 74
    2020-02-01 $344,450 (10.2%) $446,586 (19.3%) 0.00 72
    2020-03-01 $349,450 (7.1%) $461,096 (21.8%) 0.00 76
    2020-04-01 $347,000 (0.0%) $451,675 (13.9%) 0.00 85
    2020-05-01 $349,000 (3.4%) $456,461 (10.5%) 0.00 85
    2020-06-01 $334,700 (-3.0%) $441,045 (5.9%) 0.00 71
    2020-07-01 $342,250 (-3.6%) $449,144 (4.9%) 0.00 67
    2020-08-01 $349,000 (0.2%) $450,506 (4.6%) 0.00 65
    2020-09-01 $349,000 (0.4%) $465,625 (6.8%) 0.00 60
    2020-10-01 $349,900 (0.8%) $502,737 (15.4%) 0.00 50
    2020-11-01 $374,950 (10.8%) $513,337 (19.1%) 0.00 45
    2020-12-01 $365,013 (14.5%) $528,689 (25.6%) 0.00 41
    2021-01-01 $401,900 (19.4%) $538,220 (22.1%) 0.00 33
    2021-02-01 $386,950 (12.3%) $525,368 (17.6%) 0.00 34
    2021-03-01 $394,225 (12.8%) $537,463 (16.6%) 0.00 30
    2021-04-01 $444,500 (28.1%) $596,111 (32.0%) 0.00 26
    2021-05-01 $389,000 (11.5%) $532,899 (16.8%) 0.00 29
    2021-06-01 $382,975 (14.4%) $526,353 (19.3%) 0.00 33
    2021-07-01 $393,750 (15.1%) $573,117 (27.6%) 0.00 23
    2021-08-01 $417,500 (19.6%) $680,263 (51.0%) 0.00 27
    2021-09-01 $422,075 (20.9%) $655,888 (40.9%) 0.00 40
    2021-10-01 $492,500 (40.8%) $702,593 (39.8%) 0.00 34
    2021-11-01 $477,225 (27.3%) $701,535 (36.7%) 0.00 31
    2021-12-01 $489,725 (34.2%) $741,284 (40.2%) 0.00 24
    2022-01-01 $489,000 (21.7%) $683,872 (27.1%) 0.00 21
    2022-02-01 $413,500 (6.9%) $615,088 (17.1%) 0.00 23
    2022-03-01 $431,150 (9.4%) $590,742 (9.9%) 0.00 22
    2022-04-01 $447,000 (0.6%) $626,975 (5.2%) 0.00 22
    2022-05-01 $480,250 (23.5%) $689,288 (29.4%) 0.00 38
    2022-06-01 $474,500 (23.9%) $700,535 (33.1%) 0.00 42
    2022-07-01 $440,000 (11.8%) $618,705 (8.0%) 0.00 58
    2022-08-01 $415,500 (-0.5%) $590,014 (-13.3%) 0.00 60
    2022-09-01 $423,750 (0.4%) $592,181 (-9.7%) 0.00 63
    2022-10-01 $440,000 (-10.7%) $624,474 (-11.1%) 0.00 61
    2022-11-01 $447,125 (-6.3%) $651,177 (-7.2%) 0.00 61
    2022-12-01 $455,000 (-7.1%) $668,691 (-9.8%) 0.00 53
    2023-01-01 $470,000 (-3.9%) $695,993 (1.8%) 0.00 48
    2023-02-01 $450,000 (8.8%) $683,552 (11.1%) 0.00 49
    2023-03-01 $450,000 (4.4%) $670,437 (13.5%) 0.00 51
    2023-04-01 $479,000 (7.2%) $695,123 (10.9%) 0.00 49
    2023-05-01 $495,000 (3.1%) $713,312 (3.5%) 0.00 52
    2023-06-01 $540,000 (13.8%) $743,311 (6.1%) 0.00 57
    2023-07-01 $459,900 (4.5%) $685,245 (10.8%) 0.00 58
    2023-08-01 $468,250 (12.7%) $681,515 (15.5%) 0.00 62
    2023-09-01 $430,000 (1.5%) $635,517 (7.3%) 0.00 63
    2023-10-01 $455,000 (3.4%) $639,773 (2.5%) 0.00 63
    2023-11-01 $449,000 (0.4%) $615,823 (-5.4%) 0.00 58
    2023-12-01 $430,000 (-5.5%) $658,505 (-1.5%) 0.00 51
    2024-01-01 $423,500 (-9.9%) $703,913 (1.1%) 0.00 44
    2024-02-01 $422,500 (-6.1%) $736,001 (7.7%) 0.00 41
    2024-03-01 $427,000 (-5.1%) $699,431 (4.3%) 0.00 51
    2024-04-01 $429,950 (-10.2%) $665,981 (-4.2%) 0.00 61
    2024-05-01 $444,000 (-10.3%) $660,311 (-7.4%) 0.00 71
    2024-06-01 $470,000 (-13.0%) $676,628 (-9.0%) 0.00 83
    2024-07-01 $473,725 (3.0%) $629,175 (-8.2%) 0.00 109
    2024-08-01 $484,950 (3.6%) $726,142 (6.6%) 0.00 115
    2024-09-01 $490,975 (14.2%) $735,916 (15.8%) 0.00 116
    2024-10-01 $475,000 (4.4%) $735,823 (15.0%) 0.00 104
    2024-11-01 $450,000 (0.2%) $780,589 (26.8%) 0.00 86
    2024-12-01 $450,000 (4.7%) $836,648 (27.1%) 0.00 73
    2025-01-01 $450,000 (6.3%) $842,001 (19.6%) 0.00 61
    2025-02-01 $465,000 (10.1%) $823,676 (11.9%) 0.00 65
    2025-03-01 $475,000 (11.2%) $791,119 (13.1%) 0.00 75
    The Dalles's median listing price for 2025-03-01 was $475,000, a difference of $48,000 (11.2%) versus the prior year and $10,000 versus the prior month.

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

    The Dalles's average listing price for 2025-03-01 was $791,119, a difference of $91,688 (13.1%) versus the prior year and $-32,557 versus the prior month.

    For the 2025-03-01 period, The Dalles had 75 MLS listings, a difference of 10 listings (15%) versus the prior month and 24 listings (47%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - The Dalles (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,877 sqft
    2018-02-01 0 days 1,817 sqft
    2018-03-01 0 days 1,884 sqft
    2018-04-01 0 days 1,910 sqft
    2018-05-01 0 days 1,966 sqft
    2018-06-01 0 days 2,052 sqft
    2018-07-01 0 days 2,033 sqft
    2018-08-01 0 days 2,004 sqft
    2018-09-01 0 days 1,884 sqft
    2018-10-01 0 days 1,859 sqft
    2018-11-01 0 days 1,855 sqft
    2018-12-01 0 days 1,884 sqft
    2019-01-01 0 days 1,875 sqft
    2019-02-01 0 days 1,925 sqft
    2019-03-01 0 days 1,983 sqft
    2019-04-01 0 days 1,999 sqft
    2019-05-01 0 days 1,975 sqft
    2019-06-01 0 days 1,969 sqft
    2019-07-01 0 days 2,006 sqft
    2019-08-01 0 days 2,021 sqft
    2019-09-01 0 days 2,072 sqft
    2019-10-01 0 days 2,131 sqft
    2019-11-01 0 days 2,047 sqft
    2019-12-01 0 days 1,949 sqft
    2020-01-01 0 days 1,880 sqft
    2020-02-01 0 days 1,880 sqft
    2020-03-01 0 days 1,935 sqft
    2020-04-01 0 days 1,880 sqft
    2020-05-01 0 days 1,976 sqft
    2020-06-01 0 days 1,981 sqft
    2020-07-01 0 days 2,008 sqft
    2020-08-01 0 days 1,924 sqft
    2020-09-01 0 days 1,911 sqft
    2020-10-01 0 days 1,956 sqft
    2020-11-01 0 days 1,969 sqft
    2020-12-01 0 days 1,910 sqft
    2021-01-01 0 days 2,000 sqft
    2021-02-01 0 days 2,013 sqft
    2021-03-01 0 days 1,843 sqft
    2021-04-01 0 days 2,098 sqft
    2021-05-01 0 days 1,804 sqft
    2021-06-01 0 days 1,646 sqft
    2021-07-01 0 days 1,716 sqft
    2021-08-01 0 days 1,985 sqft
    2021-09-01 0 days 1,874 sqft
    2021-10-01 0 days 2,076 sqft
    2021-11-01 0 days 2,026 sqft
    2021-12-01 0 days 1,915 sqft
    2022-01-01 0 days 1,902 sqft
    2022-02-01 0 days 1,688 sqft
    2022-03-01 0 days 1,591 sqft
    2022-04-01 0 days 1,750 sqft
    2022-05-01 0 days 1,902 sqft
    2022-06-01 0 days 1,768 sqft
    2022-07-01 0 days 1,815 sqft
    2022-08-01 0 days 1,794 sqft
    2022-09-01 0 days 1,914 sqft
    2022-10-01 0 days 1,864 sqft
    2022-11-01 0 days 1,865 sqft
    2022-12-01 0 days 1,880 sqft
    2023-01-01 0 days 1,876 sqft
    2023-02-01 0 days 1,802 sqft
    2023-03-01 0 days 1,845 sqft
    2023-04-01 0 days 1,815 sqft
    2023-05-01 0 days 1,927 sqft
    2023-06-01 0 days 1,958 sqft
    2023-07-01 0 days 1,940 sqft
    2023-08-01 0 days 1,930 sqft
    2023-09-01 0 days 1,929 sqft
    2023-10-01 0 days 1,892 sqft
    2023-11-01 0 days 2,019 sqft
    2023-12-01 0 days 1,932 sqft
    2024-01-01 0 days 1,975 sqft
    2024-02-01 0 days 1,860 sqft
    2024-03-01 0 days 2,027 sqft
    2024-04-01 0 days 1,918 sqft
    2024-05-01 0 days 1,901 sqft
    2024-06-01 0 days 1,924 sqft
    2024-07-01 0 days 1,920 sqft
    2024-08-01 0 days 1,982 sqft
    2024-09-01 0 days 2,006 sqft
    2024-10-01 0 days 2,100 sqft
    2024-11-01 0 days 2,008 sqft
    2024-12-01 0 days 1,928 sqft
    2025-01-01 0 days 1,883 sqft
    2025-02-01 0 days 1,864 sqft
    2025-03-01 0 days 1,880 sqft
    The Dalles's median listing age (time on market) for 2025-03-01 was 0 days.

    The Dalles's median square footage for active listings during the 2025-03-01 period was 1,880 sqft. One year prior, the average listing was 2,027 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.