Estimates only — not financial advice

All calculators, comparisons, and figures on this site are estimates for general information only. They are not financial advice, not a loan offer, and not a guarantee that you will qualify for a USDA loan or receive any particular rate or payment. Your actual loan terms depend on your lender, your credit, the property, and USDA program rules at the time you apply.

Figures used (November 2026)

The calculators use the USDA fee schedule for fiscal year 2027 (1 Oct 2026 – 30 Sep 2027), checked in November 2026: 0% down payment, a 1% upfront guarantee fee (which may be financed into the loan), and a 0.35% annual fee charged on the outstanding balance. Interest rates, taxes, insurance, and guarantee fees change — always confirm current figures with USDA.gov or a USDA-approved lender before making a decision.

Eligibility

USDA loans have income limits (generally 115% of area median income) and property location requirements. Meeting the numbers in a calculator does not mean you are eligible. Check the official USDA income and property eligibility tools before relying on any result here.

No lender relationship

This site is not a lender, broker, or government agency and is not affiliated with the U.S. Department of Agriculture. We do not accept loan applications. For an application, contact USDA Rural Development or a USDA-approved lender.

Accuracy and liability

We work to keep figures accurate and dated, but errors can occur and program rules can change without notice. We are not liable for decisions made using this site. If a figure here disagrees with USDA.gov or your lender, the official source is correct.

Questions? See the Contact page.