USDA loan-closing fidelity bonds.
Flat 3%. Soft pull.
An attorney closing USDA loans handles agency and borrower funds, so the USDA can require a fidelity bond covering losses from dishonest, fraudulent, or negligent acts in the closing. We issue it at a flat 3% with one soft credit pull that never affects your score.
Trusted by industry leaders
Three steps to a filed fidelity bond.
Your USDA closing role is waiting on this bond. Here is the entire process:
Apply once, online
Your details, the name of the individual attorney, the USDA office address, the bond amount, and the effective date — plus a one-time consent to a soft credit pull.
Reviewed & approved
Fidelity bonds get a quick underwriting look; if anything is needed, an underwriter reaches out within 48 hours. The credit check is a soft pull that never affects your score.
E-sign & file with the USDA
Pay online and receive the executed fidelity bond, ready to file with the USDA office. Wet-ink originals mailed whenever the office insists.
The whole pricing page.
Bond amount × 3% = your premium, one-time per term, $275 minimum. Enter the penal sum the USDA office required and the premium updates.
What it is and who needs it.
What the fidelity bond actually covers
When an attorney closes a USDA loan — including USDA Rural Development loans — they take custody of agency and borrower funds and documents. To protect against loss, the USDA can require a fidelity bond on the individual attorney handling the closing.
Unlike a typical surety bond that backs a contractual obligation, a fidelity bond is protection against dishonest, fraudulent, or negligent acts — for example, misappropriating closing funds or failing to disburse them correctly. It covers the losses that result from that conduct.
The bond names the individual attorney and is filed with the USDA office that requires it, sized to the funds at risk in the closings. Enter the amount the office requires and we issue at a flat 3% with one soft credit pull. As with all our bonds, if the surety pays a covered loss, the principal repays the surety.
You need this bond if you are
Five minutes. The whole thing.
These are the actual underwriting fields, including the individual attorney name, the USDA office address, and a one-time consent to a soft credit pull. Submit once and your bond is typically issued within 1–2 business days.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the USDA loan-closing fidelity bond? +
How is a fidelity bond different from a surety bond? +
Who requires it? +
Is there a credit check? +
Does the bond name me individually? +
Other New York bonds.
USDA fidelity bond, started today.
Five-minute application, flat 3%, $275 minimum, soft pull only. Enter the amount the USDA office required and e-sign in 1–2 business days.