USDA Mortgage Calculator
Estimate your USDA loan payment with the up-front and annual guarantee fees.
- Base loan
- Up-front guarantee fee (financed)
- Total loan
- Principal and interest
- Monthly annual fee
- Taxes and insurance
- Base LTV
- Annual Fee Lasts
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How USDA Loan Payments Work
USDA Rural Development guaranteed loans let eligible buyers in rural and many suburban areas buy with no down payment. Instead of mortgage insurance, borrowers pay two guarantee fees: a one-time up-front fee, usually added to the loan, and an annual fee paid monthly.
Worked Example
Tips
USDA fees are set each fiscal year; 1% up front and 0.35% a year have applied since fiscal year 2017, including 2026, but check with your lender. The annual fee is figured on each year's average scheduled balance, so it falls slowly; this page shows the first year. Eligibility depends on the property's location and household income limits (see the USDA eligibility site). The page doesn't check eligibility.