USDA Mortgage Calculator
Estimate your USDA loan payment including the guarantee fee, for eligible rural properties.
Enter your numbers and select Calculate to see results.
About This Calculator
USDA loans offer 0% down financing for eligible buyers in designated rural areas, subject to income limits. Instead of traditional mortgage insurance, USDA loans charge a one-time upfront guarantee fee (financed into the loan) plus a smaller annual fee. This calculator estimates your monthly payment including both.
How This Is Calculated
Total Loan = (Home Price − Down Payment) + Upfront Guarantee Fee
- Upfront Fee
- — 1% of the base loan amount, financed in
- Annual Fee
- — 0.35% of the total loan per year, paid monthly
On a $250,000 home with $0 down, the upfront fee is 1% of $250,000 = $2,500, bringing the total loan to $252,500.
Assumptions
- Upfront guarantee fee: 1% (standard rate as of this calculator's last update).
- Annual fee: 0.35% of the loan balance, paid monthly.
- Does not check property or income eligibility — USDA loans are limited to designated rural areas and household income under local limits.
- Excludes property tax, insurance, and HOA dues.
Frequently Asked Questions
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Last updated January 15, 2026. Results are estimates for informational purposes only — read our disclaimer.