USDA Loan Calculator
Last updated: October 15, 2026
Estimate a USDA-style monthly housing payment with editable guarantee-fee assumptions.
Estimated monthly payment
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- Financed loan amount: —
- Principal & interest: —
- Monthly program fee: —
- Taxes & insurance: —
On this page
Quick summary: Estimate a USDA-style monthly housing payment with editable guarantee-fee assumptions.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate a USDA-style monthly housing payment with editable guarantee-fee assumptions.
How to use it
Enter Home price ($); Down payment ($); Interest rate (%); Loan term; Upfront guarantee fee (%); Annual fee rate (%); Annual property tax ($); Annual homeowners insurance ($). Select Calculate to update the results.
How the calculation works
Base principal = home price minus down payment. Finance the entered upfront guarantee-fee percentage on that base, then amortize the resulting balance at the entered rate and term. Add an annual-fee estimate equal to original base principal × annual fee percentage / 12, plus monthly property tax and insurance.
Worked example: starting scenario
| Home price ($) | 350000 |
|---|---|
| Down payment ($) | 12250 |
| Interest rate (%) | 6.5 |
| Loan term | 30 years |
| Upfront guarantee fee (%) | 1 |
| Annual fee rate (%) | 0.35 |
| Annual property tax ($) | 4200 |
| Annual homeowners insurance ($) | 1800 |
| Estimated monthly payment | $2,754.67 |
|---|---|
| Financed loan amount | $341,127.50 |
| Principal & interest | $2,156.16 |
| Monthly program fee | $98.51 |
| Taxes & insurance | $500.00 |
Important limitations
This is an initial-payment illustration with editable fee rates. It does not reproduce a full annual guarantee-fee schedule based on changing loan balances. Location, income, property and other program eligibility rules are not evaluated. Obtain current applicable rates and charges from the lender.