USDA Loan Calculator

The 1% upfront fee and the 0.35% annual fee are planning assumptions. Whether the house is in an eligible area, and whether the household income fits, is not something this page can see.

Written for Equidwell and last checked in October 2026. We build the calculators on this site. We are not a lender, and this page is not advice for your loan.

Guarantee fees are planning assumptions of 1% upfront and 0.35% a year. USDA fees and eligibility change. The property must be in an eligible area, and household income must fall within program limits.

Home price

Down payment

Note rate

Example rate, not a live quote.

Term in years

Base loan: $250,000.00
Upfront guarantee fee assumption: $2,500.00
Amount financed: $252,500.00
Principal and interest: $1,595.97
Monthly guarantee-fee assumption: $73.65
First-month total: $1,669.62

This is not a finding that a property or borrower is USDA-eligible.

How this calculator works

The base loan is the price minus any down payment.
The upfront guarantee fee is 1% of the base loan in this model and is financed.
The annual fee is 0.35% and is shown as a level monthly amount.
The first-month total adds principal and interest to that monthly fee.

A USDA result is not a rural-area finding

A USDA guaranteed loan cares about the map and the household income. A calculator has neither. A payment here is not a finding that the property is rural enough.

The fees have changed before. Treat 1% and 0.35% as labeled assumptions and check USDA's current schedule before you compare a real offer.

Sources

Common questions

Is zero down required?

The model allows zero down. It does not mean a particular borrower or house qualifies for a USDA guaranteed loan.

Are the fees current?

They are planning assumptions, not a feed from USDA. Check the current guarantee-fee schedule.

FHA Loan Calculator
Estimate an FHA principal-and-interest payment with a 1.75% upfront MIP and annual MIP rates from HUD Mortgagee Letter 2023-05.
VA Loan Calculator
Estimate a VA principal-and-interest payment and funding fee. The fee is waived in the model only if you mark an exemption.
Mortgage Affordability Calculator
Estimate a home price from income and monthly debts using the 28/36 guideline, with taxes, insurance, and PMI labeled as assumptions.

Longer guides on these topics are linked from the guides library.