Fed Funds: 5.33%30Y FRM: 6.84%10Y Treasury: 4.42%Avg CC APR: 21.47%SOFR: 5.31%Prime Rate: 8.50%BTC: —
Fed Funds: 5.33%30Y FRM: 6.84%10Y Treasury: 4.42%Avg CC APR: 21.47%SOFR: 5.31%Prime Rate: 8.50%BTC: —
Rural / Hidden

USDA Loan via Fairway — USDA 30-Year Review

USDA Loan via Fairway offers USDA 30-Year at 6.70% APR (6.50% interest rate) as of June 2026, with 0% minimum down and a 640+ credit floor.

APR
6.70%
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APR
6.70%
Interest rate
6.50%
Points
0
Min down
0%
Min credit
640
Product
USDA 30-Year

Overview

USDA Loan via Fairway's USDA 30-Year is benchmarked against the Federal Reserve FRED MORTGAGE30US series. Today's quoted APR is 6.70%, with a 6.50% note rate. 0% down in eligible areas..

The APR figure includes lender fees and points (currently 0), giving you the closest apples-to-apples comparison across lenders. Always confirm your specific quote — final pricing depends on credit score, loan-to-value, and property type.

Compare USDA Loan via Fairway against the alternates below to see how it stacks up for June 2026.

Pros

  • +6.70% APR is competitive for the current rate environment
  • +Down payment as low as 0%
  • +Transparent point disclosure

Cons

  • −Requires 640+ FICO
  • −Rate is subject to market changes
  • −Rate locks expire — quote shop within a short window

How it compares

Better.com — 30-Year Fixed
APR
6.75%
NBKC Bank — 30-Year Fixed
APR
6.61%
Bethpage FCU — 15-Year Fixed
APR
5.99%

How we review

We review mortgages using verified rate data and lender disclosures. Rankings prioritize rate, fees, terms, and institutional safety — not affiliate payout. Read the full methodology.