USDA Loan Calculator
Calculate USDA rural loan monthly payments. USDA loans require no down payment for eligible rural and suburban properties.
Part of our Finance Calculators collection.
USDA Loan Calculator
Free online calculator
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USDA rates are typically competitive
Results update automatically as you type
How to Use This Calculator
- 1
Enter all required values.
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See results instantly.
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Adjust inputs to compare scenarios.
How This is Calculated
USDA includes: 1% upfront guarantee fee (rolled into loan) + 0.35%/yr annual fee No down payment, income limits apply, must be eligible rural/suburban area
Example Calculation
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Result
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Results appear instantly as you enter values.
Frequently Asked Questions
How accurate is this calculator?
These are estimates. Actual figures depend on lender requirements, your credit score, and local conditions. Consult a mortgage professional for exact numbers.
Should I get pre-approved?
Yes — getting pre-approved before house hunting shows sellers you're serious and gives you a realistic budget.