Estimate your USDA payment
Estimate only. Includes principal, interest, the financed 1% upfront guarantee fee, and the 0.35% annual fee. Excludes property taxes, homeowners insurance, and any HOA dues — which you'll also pay monthly. Assumes a 30-year fixed USDA guaranteed loan. Not a quote or commitment to lend; your actual rate and terms come from underwriting. Figures current as of 2026.
How the USDA calculation works
USDA's math has one quirk most calculators get wrong: the upfront guarantee fee is financed into the loan. So with $0 down, your starting balance is actually the home price plus 1%. Here's each piece:
- $0 down default — USDA is 100% financing, so we start there. Enter a down payment if you'll make one.
- 1% upfront guarantee fee — added to your loan balance (not paid in cash), so it's spread over 30 years.
- 0.35% annual fee — divided by 12 and added to every monthly payment, in place of mortgage insurance.
- Principal & interest — the standard amortized payment on the total financed loan.
What's not here: property taxes, homeowners insurance, and HOA dues. Those are real monthly costs — your loan officer will fold them into a full payment estimate. For the fee details, see Requirements; for rate context, Rates.
USDA calculator FAQs
Does this include the guarantee fee?
Yes — the 1% upfront fee is financed into the loan and the 0.35% annual fee is a monthly line.
Why is my loan bigger than the price?
Because the 1% upfront fee is rolled in. With $0 down, your balance is price + 1%.
Is the estimate exact?
No — it excludes taxes, insurance, and HOA, and your real rate comes from underwriting.
Can I really put $0 down?
Yes — USDA is 100% financing, so it defaults to $0. Enter a down payment to lower the loan.
Reviewed by the licensing team at Save Financial, a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766) founded in 2009 and serving all 58 counties from offices in Newport Beach and Marina del Rey.