USDA Loan Calculator
Estimate a USDA guaranteed-loan payment with editable upfront and annual guarantee-fee assumptions. Verify rural eligibility and income limits separately.
- Formula
- Shown below
- Data
- Stays private
- Result
- Updates live
Written by the ToolGrym Editorial Team
Last reviewed:
Calculation workspace
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Estimated monthly payment
$2,671.39
Principal, interest, and program insurance fee
- Base loan amount
- $404,000
- Upfront fee financed
- $4,000
- Monthly insurance/annual fee
- $118
What to compare
0%
Starting cash down as a percentage of price
- Upfront program fee
- $4,000
- Monthly program fee
- $118
This is an educational estimate, not an eligibility decision or Loan Estimate. Program rules, county limits, fees, caps, and lender overlays vary. Confirm the exact terms with an approved lender.
Read the USDA eligibility and fees guide before treating a payment estimate as a purchase budget.
Frequently asked questions
- Can a USDA loan have zero down?
- The guaranteed program can offer 100% financing to eligible borrowers and properties, but closing costs and reserves still need a cash plan.
- What fees does this model?
- It adds an upfront guarantee fee to the base loan and estimates the annual fee as a monthly amount.
- Are USDA rates and fees fixed nationally?
- Fee notices and lender pricing can change. Use the current USDA notice and your Loan Estimate.
- Does this check rural or income eligibility?
- No. USDA’s eligibility tools and an approved lender determine those requirements.
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The ToolGrym editorial team builds and maintains every calculator on this site. Each tool’s formulas are implemented as tested code and verified against authoritative sources such as the CFPB, Federal Reserve, IRS, and BLS.