USDA Home Loan Calculator: Estimate Monthly Payments

Estimate your monthly USDA home loan payment by entering the property price, interest rate, loan term, and USDA annual fee. This calculator estimates principal, interest, and the monthly USDA fee to help you understand a portion of your potential homeownership costs before applying.

• Home Price: Enter the purchase price of the property.
• Interest Rate: Enter the annual mortgage rate offered by your lender.
• Loan Term: Enter the repayment period in years, such as 30 years.
• USDA Annual Fee: Enter the annual fee rate applicable to your loan.

Select Calculate USDA Payment to see your estimated principal-and-interest payment, monthly USDA fee, and combined monthly amount.

• Principal and Interest: The estimated monthly payment required to repay the loan balance and interest over the selected term.
• USDA Monthly Fee: The annual fee entered in the calculator, divided into monthly amounts using the home price as the calculation base.
• Total Monthly Payment: The sum of the estimated principal-and-interest payment and the monthly USDA fee.

USDA-guaranteed home loans can include an upfront guarantee fee and an annual fee. The annual fee is generally collected as part of the mortgage payment, but the amount and calculation depend on the applicable program rules. An upfront fee may also affect your borrowing costs if it is financed into the loan.

Your actual monthly housing expense may be higher than the result shown here because this calculator does not include property taxes, homeowners insurance, HOA fees, utilities, or maintenance. For a broader payment estimate, use our Mortgage Calculator With Taxes and Insurance.

Before applying, consider whether the estimated payment fits your income, existing debts, savings, and other housing expenses. USDA eligibility also depends on factors such as property location, household income, and the applicable loan program requirements. A payment estimate alone does not confirm eligibility or loan approval.

You can also use our USDA Payment Calculator to explore another estimate of USDA financing costs.

Important note: This calculator provides a simplified estimate, not a lender quote. It calculates principal and interest using the entered home price as the loan amount and estimates the monthly USDA fee by applying the entered annual rate to that same price.

It does not automatically account for a down payment, an upfront guarantee fee, a financed fee, or changes in the fee calculation base as the loan balance declines. Confirm current fees, eligibility, and final payment details with an approved lender and official USDA program guidance.