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Current USDA Loan Rate Details. The current usda loan usda loan rate is 3.57% with 4.06% APR. . That is up from last weeks rate which was % with an % APR. The chart and table provide extended details on the USDA Loan usda loan rate over the last three months. The chart plots the usda loan usda loan rate and apr with points for each rate adjustment while the table lays out the average rate, points and apr by day.
Direct Loan. 1  This is available to low- and very low-income households. 2  USDA loan rates for the direct loans are fixed at the time of either loan approval or loan closing. The USDA interest rates for this kind of loan are based on market rates at the time of either approval or closing, whichever rate is lowest. Payment assistance programs are available to be paired with this kind of loan. These programs can make USDA interest rates as low as 1%, regardless of the current market.