USDA Loan Calculator | Estimate Your Payment

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Are you a veteran or active-duty service member? Use our free VA Loan Calculator to estimate your monthly payment and calculate the exact VA funding fee based on your service type and down payment.

Also try our FHA Loan Calculator — includes full MIP breakdown (upfront + annual) so you know your true FHA monthly cost.

This USDA loan calculator automatically applies the two USDA-specific fees that standard mortgage calculators omit: a 1% upfront guarantee fee (added to your loan balance) and a 0.35% annual guarantee fee (billed monthly). Enter your home price, interest rate, and loan term to see your true USDA monthly payment. Because USDA loans require zero down payment, the USDA loan calculator assumes 100% financing by default.

Before using a USDA loan calculator, confirm you meet two key requirements. First, the property must be in a USDA-eligible rural or suburban area — check your address at the USDA Eligibility Map. Second, your household income must be at or below 115% of the area median income. These limits vary by county and household size. USDA loans are issued through the USDA Rural Development program, not private lenders, so terms are standardized.

What makes a USDA loan calculator different from a regular mortgage calculator?

A standard calculator won’t include USDA guarantee fees. This USDA loan calculator adds the 1% upfront fee to the financed amount and includes the 0.35% annual fee in your monthly payment — so the number you see is your real payment, not an underestimate.

Can I use a USDA loan to buy a home in a suburb?

Yes — USDA-eligible areas cover 97% of U.S. land including many suburban communities near metro areas. Use this USDA loan calculator to estimate your payment, then verify your address on the USDA Eligibility Map before applying.

How does the USDA guarantee fee compare to FHA mortgage insurance?

USDA is cheaper — its 1% upfront + 0.35% annual fee is lower than FHA’s 1.75% upfront + 0.55% annual MIP. Run both scenarios in our USDA loan calculator and our FHA calculator to compare total costs over the life of your loan.

Is there a minimum credit score for a USDA loan?

USDA does not set a minimum credit score, but most approved lenders require 640 or higher for automated underwriting. Use this USDA loan calculator to estimate your payment now, then check your credit score before applying. See our full calculator guide for more tools.