Mortgage & Home
USDA Loan Calculator
Estimate monthly payments for a USDA Rural Development loan. USDA loans offer 100% financing with no down payment for eligible rural and suburban homebuyers, with a 1% upfront guarantee fee and 0.35% annual fee.
Monthly Payment
$2,202.44
Principal & Interest
$1,755.57
Monthly Guarantee Fee
$80.21
Property Tax
$250.00
Home Insurance
$116.67
Upfront Guarantee Fee
$2,750.00
Total Loan Amount
$277,750.00
Total Interest
$354,254.82
Email me these results
Get a copy of your calculation with a full amortization schedule
Email capture coming soon
Payment Breakdown
Principal
$0.00 (0.0%)
Interest
$354,254.82 (100.0%)
How This Calculator Works
USDA loans require no down payment. The upfront guarantee fee (1%) is financed into the loan. The annual fee (0.35%) is paid monthly for the life of the loan. Total payment includes principal, interest, guarantee fee, taxes, and insurance.
Compare mortgage & home rates from top lenders
See personalized offers in minutes — no impact to your credit score
Partner offers coming soon
Frequently Asked Questions
Related Calculators
Disclaimer: This calculator provides estimates for informational purposes only. Results are based on the information you provide and standard financial formulas. Actual loan terms, rates, and payments may vary. This is not financial advice. Please consult with a qualified financial professional and verify all figures with your lender before making borrowing decisions.