Fortunately, for USDA, this is cheaper that the typical PMI fees you would pay for a similar FHA or conventional loan. Once you've separated that fee from the other numbers, closing costs on a USDA loan should be similar to any other loan program. A good rule of thumb is 2% - 3% of the loan amount and closing costs on the lower side (2% = ~$3600) would have a higher interest rate than closing costs on the higher side (3% = $5400).