Rural Home Mortgage Rates: How USDA Loans Compare to Traditional Financing

USDA rural mortgage rates are running 0.25%–0.50% below conventional 30-year rates in 2026, with zero down payment required. Here's how the numbers stack up.

USDA rural mortgage rates are running 0.25%–0.50% below conventional 30-year rates in 2026, with zero down payment required. Here's how the numbers stack up.

Manufactured home buyers pay 0.5%–1.5% more than site-built rates—or up to 8%–10% on chattel loans. Here's how your loan type determines which rate you'll actually get.