USDA Loans Calculator is a free, independent website that helps home buyers work out what a USDA Rural Development home loan could cost — before they talk to a lender.

Why this site exists

USDA loans work differently from most mortgages: 0% down payment, a 1% upfront guarantee fee that can be financed into the loan, and a 0.35% annual fee charged on the shrinking loan balance. Many generic calculators get one or more of those details wrong, so their monthly payment is wrong too. Our calculators use the actual USDA maths, show the full payment breakdown, and say exactly which fees and assumptions were used.

What you will find here

• USDA Loan Calculator — monthly payment, guarantee fees, and lifetime totals, with a 30-year amortisation table.
• Income Eligibility Checker — the 115% of area median income limit.
• Guarantee Fee Calculator — the 1% upfront and 0.35% annual fees on any loan size.
• USDA vs FHA Comparison — both government loans on the same house, side by side.
• Affordability / DTI Checker — the 29/41 debt-to-income rule.
• Refinance Calculator — new payment, monthly saving and break-even.
• Property Eligibility guide — which homes and areas qualify.

Important: what we are not

We are not a lender, broker, or government agency, and we are not affiliated with the U.S. Department of Agriculture or USDA Rural Development. We do not offer loans, take loan applications, or give personal financial advice. All figures on this site are estimates — confirm them with a USDA-approved lender. See our Disclaimer for the full wording.

Sources and accuracy

Fee rates and program rules are taken from USDA.gov and the USDA Rural Development program pages, and each page shows the date its figures were last checked (November 2026). The guarantee fees are the FY2027 schedule (1% upfront, 0.35% annual, 1 Oct 2026 – 30 Sep 2027) and the income limits are the FY2026 standard limits ($122,800 / $162,100, effective 13 July 2026). Program rules change; if a figure on this site disagrees with USDA.gov or your lender, the official source is correct. The exact formulas, assumptions and worked examples are on our Methodology page.

Who runs this site

This is an independent calculator project, run as a small website. There is no named loan officer behind it and no lending credential is claimed — the figures are checked against USDA publications, and every tool page links its sources so you can verify them yourself.

How this site is funded

There are currently no ads on this site and no lender pays for placement. If advertising is added later, it will be labelled as advertising and will not change any calculator result.

Corrections

If you spot a wrong figure, email hello@usdaloanscalculator.com with the page and the correct source. We fix confirmed errors and update the page’s “Last updated” date.

Contact

Found an error, or want a calculator improved? Email hello@usdaloanscalculator.com or use the Contact page.