Vidalia VA Loan Rates, Closing Costs & Stats

Vidalia, GA

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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.

    Vidalia's 15 lenders originated 41 VA loans during 2024. The total origination value was $11,615,000, with an average VA loan value of $283,293.

    Vidalia VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Vidalia averaged 6.83% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Vidalia's average VA mortgage closing costs are $5,311.

    The average rate for the prior week (2025-05-16) was 7.01% and one month ago for the week of 2025-04-18, the average rate was 6.98%.

    The average rate one year ago was 7%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.62%.

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

    Vidalia 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 Vidalia level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 13 6.68% $4,515
    FREEDOM MORTGAGE CORPORATION 5 6.33% $6,879
    UNITED WHOLESALE MORTGAGE, LLC 3 5.83% $3,572
    QUICKEN LOANS, LLC 3 6.04% $6,178
    VILLAGE CAPITAL MORTGAGE 2 5.62% $6,695
    PLANET HOME LENDING, LLC 2 6.13% $8,288
    GUILD MORTGAGE COMPANY 1 7.63% $8,397
    Bell Bank 1 5.88% $7,414
    Mr. Cooper ( Nationstar Mortgage ) 1 5.75% $4,267
    NEW DAY FINANCIAL, LLC 1 7.99% $14,023
    Plains Commerce Bank 1 5.63% $5,332
    1ST SIGNATURE LENDING, LLC 1 6.75% $10,125
    AMERISAVE MORTGAGE CORPORATION 1 5.38% $13,675
    Alcova Mortgage LLC 1 6.25% $4,908
    Equity Prime Mortgage LLC 1 6.00% $16,410

    The top Vidalia VA lender as defined by loan originations is Mortgage Research Center, LLC, with 13 VA loans originated. Their average total fees are $4,515, which is $2,364 lower than the next largest lender, FREEDOM MORTGAGE CORPORATION.

    The lowest fee Vidalia VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,515), .

    The lowest rate Vidalia VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.68%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Vidalia (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 $148,500 (2.2%) $169,061 (-6.2%) 0.00 119
    2018-02-01 $149,375 (-5.1%) $187,675 (0.8%) 0.00 116
    2018-03-01 $152,275 (2.1%) $189,466 (4.2%) 0.00 124
    2018-04-01 $154,475 (3.2%) $198,179 (9.3%) 0.00 134
    2018-05-01 $154,700 (-0.3%) $196,689 (4.7%) 0.00 135
    2018-06-01 $152,400 (1.6%) $194,933 (5.8%) 0.00 134
    2018-07-01 $142,450 (-10.8%) $190,778 (2.3%) 0.00 129
    2018-08-01 $139,900 (-8.2%) $189,272 (5.2%) 0.00 128
    2018-09-01 $135,000 (-11.2%) $181,402 (3.5%) 0.00 135
    2018-10-01 $136,500 (-8.9%) $178,756 (5.6%) 0.00 137
    2018-11-01 $141,100 (-4.1%) $188,129 (13.1%) 0.00 128
    2018-12-01 $149,000 (-0.5%) $188,430 (11.1%) 0.00 125
    2019-01-01 $149,700 (0.8%) $189,806 (12.3%) 0.00 107
    2019-02-01 $149,450 (0.1%) $192,863 (2.8%) 0.00 112
    2019-03-01 $148,543 (-2.5%) $195,325 (3.1%) 0.00 114
    2019-04-01 $149,043 (-3.5%) $199,107 (0.5%) 0.00 110
    2019-05-01 $149,450 (-3.4%) $204,342 (3.9%) 0.00 115
    2019-06-01 $148,000 (-2.9%) $200,579 (2.9%) 0.00 118
    2019-07-01 $149,900 (5.2%) $206,177 (8.1%) 0.00 101
    2019-08-01 $147,200 (5.2%) $202,077 (6.8%) 0.00 106
    2019-09-01 $143,150 (6.0%) $193,213 (6.5%) 0.00 115
    2019-10-01 $142,950 (4.7%) $190,058 (6.3%) 0.00 117
    2019-11-01 $145,000 (2.8%) $198,043 (5.3%) 0.00 114
    2019-12-01 $145,000 (-2.7%) $201,190 (6.8%) 0.00 107
    2020-01-01 $148,900 (-0.5%) $206,675 (8.9%) 0.00 98
    2020-02-01 $149,900 (0.3%) $201,645 (4.6%) 0.00 101
    2020-03-01 $151,975 (2.3%) $204,619 (4.8%) 0.00 114
    2020-04-01 $163,675 (9.8%) $205,822 (3.4%) 0.00 115
    2020-05-01 $168,000 (12.4%) $212,083 (3.8%) 0.00 109
    2020-06-01 $184,900 (24.9%) $221,042 (10.2%) 0.00 95
    2020-07-01 $208,825 (39.3%) $240,580 (16.7%) 0.00 91
    2020-08-01 $217,500 (47.8%) $255,577 (26.5%) 0.00 81
    2020-09-01 $197,475 (38.0%) $251,399 (30.1%) 0.00 75
    2020-10-01 $199,900 (39.8%) $252,143 (32.7%) 0.00 78
    2020-11-01 $181,150 (24.9%) $239,826 (21.1%) 0.00 69
    2020-12-01 $158,725 (9.5%) $221,216 (10.0%) 0.00 63
    2021-01-01 $164,950 (10.8%) $226,888 (9.8%) 0.00 60
    2021-02-01 $164,900 (10.0%) $237,112 (17.6%) 0.00 55
    2021-03-01 $159,975 (5.3%) $235,133 (14.9%) 0.00 48
    2021-04-01 $164,750 (0.7%) $236,379 (14.9%) 0.00 41
    2021-05-01 $176,950 (5.3%) $240,720 (13.5%) 0.00 41
    2021-06-01 $179,000 (-3.2%) $228,511 (3.4%) 0.00 48
    2021-07-01 $187,000 (-10.5%) $264,955 (10.1%) 0.00 49
    2021-08-01 $217,950 (0.2%) $308,124 (20.6%) 0.00 51
    2021-09-01 $224,950 (13.9%) $300,098 (19.4%) 0.00 51
    2021-10-01 $236,000 (18.1%) $314,991 (24.9%) 0.00 48
    2021-11-01 $235,500 (30.0%) $319,165 (33.1%) 0.00 35
    2021-12-01 $281,225 (77.2%) $336,741 (52.2%) 0.00 35
    2022-01-01 $280,000 (69.8%) $330,712 (45.8%) 0.00 33
    2022-02-01 $299,000 (81.3%) $334,267 (41.0%) 0.00 27
    2022-03-01 $325,688 (103.6%) $346,246 (47.3%) 0.00 29
    2022-04-01 $269,900 (63.8%) $303,379 (28.3%) 0.00 30
    2022-05-01 $258,475 (46.1%) $311,356 (29.3%) 0.00 37
    2022-06-01 $233,450 (30.4%) $290,963 (27.3%) 0.00 47
    2022-07-01 $232,000 (24.1%) $313,435 (18.3%) 0.00 49
    2022-08-01 $241,725 (10.9%) $336,701 (9.3%) 0.00 46
    2022-09-01 $259,950 (15.6%) $455,898 (51.9%) 0.00 51
    2022-10-01 $280,000 (18.6%) $502,830 (59.6%) 0.00 51
    2022-11-01 $285,075 (21.1%) $491,600 (54.0%) 0.00 56
    2022-12-01 $289,900 (3.1%) $516,130 (53.3%) 0.00 54
    2023-01-01 $284,700 (1.7%) $528,278 (59.7%) 0.00 48
    2023-02-01 $294,704 (-1.4%) $555,086 (66.1%) 0.00 36
    2023-03-01 $295,725 (-9.2%) $521,116 (50.5%) 0.00 38
    2023-04-01 $249,000 (-7.7%) $431,319 (42.2%) 0.00 41
    2023-05-01 $227,188 (-12.1%) $343,917 (10.5%) 0.00 44
    2023-06-01 $257,425 (10.3%) $354,031 (21.7%) 0.00 38
    2023-07-01 $290,000 (25.0%) $337,916 (7.8%) 0.00 38
    2023-08-01 $279,950 (15.8%) $341,731 (1.5%) 0.00 39
    2023-09-01 $279,999 (7.7%) $349,952 (-23.2%) 0.00 51
    2023-10-01 $277,950 (-0.7%) $360,271 (-28.4%) 0.00 59
    2023-11-01 $249,500 (-12.5%) $354,408 (-27.9%) 0.00 56
    2023-12-01 $272,000 (-6.2%) $379,116 (-26.6%) 0.00 57
    2024-01-01 $267,925 (-5.9%) $369,547 (-30.1%) 0.00 54
    2024-02-01 $249,950 (-15.2%) $342,494 (-38.3%) 0.00 48
    2024-03-01 $252,400 (-14.7%) $333,035 (-36.1%) 0.00 45
    2024-04-01 $249,900 (0.4%) $349,119 (-19.1%) 0.00 38
    2024-05-01 $272,375 (19.9%) $360,530 (4.8%) 0.00 37
    2024-06-01 $289,900 (12.6%) $351,375 (-0.8%) 0.00 40
    2024-07-01 $292,175 (0.8%) $380,245 (12.5%) 0.00 51
    2024-08-01 $282,200 (0.8%) $340,715 (-0.3%) 0.00 56
    2024-09-01 $272,750 (-2.6%) $332,699 (-4.9%) 0.00 57
    2024-10-01 $306,000 (10.1%) $363,271 (0.8%) 0.00 57
    2024-11-01 $301,500 (20.8%) $384,680 (8.5%) 0.00 50
    2024-12-01 $288,000 (5.9%) $364,711 (-3.8%) 0.00 45
    2025-01-01 $269,000 (0.4%) $359,624 (-2.7%) 0.00 43
    2025-02-01 $283,750 (13.5%) $354,829 (3.6%) 0.00 49
    2025-03-01 $289,950 (14.9%) $348,840 (4.8%) 0.00 54
    2025-04-01 $288,725 (15.5%) $335,698 (-3.8%) 0.00 49
    Vidalia's median listing price for 2025-04-01 was $288,725, a difference of $38,825 (15.5%) versus the prior year and $-1,225 versus the prior month.

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

    Vidalia's average listing price for 2025-04-01 was $335,698, a difference of $-13,421 (-3.8%) versus the prior year and $-13,142 versus the prior month.

    For the 2025-04-01 period, Vidalia had 49 MLS listings, a difference of -5 listings (-9%) versus the prior month and 11 listings (29%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Vidalia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,995 sqft
    2018-02-01 0 days 2,159 sqft
    2018-03-01 0 days 2,151 sqft
    2018-04-01 0 days 2,170 sqft
    2018-05-01 0 days 2,163 sqft
    2018-06-01 0 days 2,173 sqft
    2018-07-01 0 days 2,074 sqft
    2018-08-01 0 days 2,061 sqft
    2018-09-01 0 days 1,939 sqft
    2018-10-01 0 days 1,932 sqft
    2018-11-01 0 days 2,025 sqft
    2018-12-01 0 days 2,002 sqft
    2019-01-01 0 days 2,003 sqft
    2019-02-01 0 days 2,008 sqft
    2019-03-01 0 days 2,054 sqft
    2019-04-01 0 days 2,121 sqft
    2019-05-01 0 days 2,107 sqft
    2019-06-01 0 days 2,006 sqft
    2019-07-01 0 days 2,011 sqft
    2019-08-01 0 days 2,059 sqft
    2019-09-01 0 days 2,004 sqft
    2019-10-01 0 days 1,980 sqft
    2019-11-01 0 days 1,993 sqft
    2019-12-01 0 days 2,000 sqft
    2020-01-01 0 days 2,055 sqft
    2020-02-01 0 days 2,052 sqft
    2020-03-01 0 days 2,062 sqft
    2020-04-01 0 days 2,053 sqft
    2020-05-01 0 days 2,170 sqft
    2020-06-01 0 days 2,216 sqft
    2020-07-01 0 days 2,418 sqft
    2020-08-01 0 days 2,468 sqft
    2020-09-01 0 days 2,331 sqft
    2020-10-01 0 days 2,290 sqft
    2020-11-01 0 days 2,202 sqft
    2020-12-01 0 days 2,150 sqft
    2021-01-01 0 days 2,189 sqft
    2021-02-01 0 days 2,250 sqft
    2021-03-01 0 days 2,286 sqft
    2021-04-01 0 days 2,219 sqft
    2021-05-01 0 days 2,118 sqft
    2021-06-01 0 days 2,003 sqft
    2021-07-01 0 days 2,006 sqft
    2021-08-01 0 days 2,123 sqft
    2021-09-01 0 days 2,188 sqft
    2021-10-01 0 days 2,229 sqft
    2021-11-01 0 days 2,200 sqft
    2021-12-01 0 days 2,376 sqft
    2022-01-01 0 days 2,294 sqft
    2022-02-01 0 days 2,389 sqft
    2022-03-01 0 days 2,586 sqft
    2022-04-01 0 days 2,318 sqft
    2022-05-01 0 days 2,406 sqft
    2022-06-01 0 days 2,256 sqft
    2022-07-01 0 days 2,107 sqft
    2022-08-01 0 days 2,285 sqft
    2022-09-01 0 days 2,380 sqft
    2022-10-01 0 days 2,483 sqft
    2022-11-01 0 days 2,435 sqft
    2022-12-01 0 days 2,483 sqft
    2023-01-01 0 days 2,441 sqft
    2023-02-01 0 days 2,483 sqft
    2023-03-01 0 days 2,623 sqft
    2023-04-01 0 days 2,172 sqft
    2023-05-01 0 days 2,065 sqft
    2023-06-01 0 days 2,152 sqft
    2023-07-01 0 days 2,362 sqft
    2023-08-01 0 days 2,220 sqft
    2023-09-01 0 days 2,400 sqft
    2023-10-01 0 days 2,150 sqft
    2023-11-01 0 days 2,011 sqft
    2023-12-01 0 days 2,077 sqft
    2024-01-01 0 days 2,009 sqft
    2024-02-01 0 days 1,950 sqft
    2024-03-01 0 days 1,894 sqft
    2024-04-01 0 days 1,926 sqft
    2024-05-01 0 days 2,112 sqft
    2024-06-01 0 days 2,240 sqft
    2024-07-01 0 days 2,226 sqft
    2024-08-01 0 days 2,081 sqft
    2024-09-01 0 days 2,196 sqft
    2024-10-01 0 days 2,290 sqft
    2024-11-01 0 days 2,418 sqft
    2024-12-01 0 days 2,362 sqft
    2025-01-01 0 days 2,272 sqft
    2025-02-01 0 days 2,196 sqft
    2025-03-01 0 days 2,188 sqft
    2025-04-01 0 days 2,062 sqft
    Vidalia's median listing age (time on market) for 2025-04-01 was 0 days.

    Vidalia's median square footage for active listings during the 2025-04-01 period was 2,062 sqft. One year prior, the average listing was 1,926 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.