USDA Loan Calculator | Zero Down, Guarantee Fee, Annual Fee, 3D Doughnut Chart

USDA Loan Calculator — Global Display, Responsive, and SEO-Optimized

Estimate monthly USDA payments with principal & interest, upfront guarantee fee, annual fee, taxes, insurance, and HOA. Beautiful 3D doughnut chart. No sliders—just accurate inputs.

USDA loan calculator

Currency label Display only. Works anywhere (e.g., USD, EUR, PKR, GBP).

Home price

Down payment (%)

Down payment (amount)

Interest rate (annual %)

Loan term (years)

Annual property tax

Annual homeowner’s insurance

Monthly HOA (optional)

Upfront guarantee fee rate (%) Often around 1.0%. Edit if your scenario differs.

Annual fee rate (%) Annual fee (paid monthly). Edit as needed.

Finance upfront fee into loan?

First payment date

Base loan amount

—

Excludes financed upfront fee

Monthly payment (total)

—

P&I + annual fee + taxes + insurance + HOA

Estimated payoff date

—

— months

Principal Interest Annual fee Taxes & Insurance HOA

Understand USDA loans and monthly payments

USDA loans support homebuyers in eligible rural and suburban areas with flexible credit requirements and a zero-down option. Your monthly payment typically includes principal and interest, the USDA annual fee (paid monthly), property taxes, homeowner’s insurance, and any HOA dues.

What makes USDA loans unique

USDA loans include a one-time upfront guarantee fee, which can be financed into the loan, plus an annual fee added to your monthly payment. Because the loan is government-backed, borrowers can often access competitive rates, lower out-of-pocket costs, and no required down payment.

How the annual fee works

The annual fee is calculated as a percentage of your loan amount and split into 12 monthly installments. This calculator uses a simple estimate (constant monthly annual fee) to help you budget clearly; actual values can change with balance and lender specifics.

Smart tips for students and professionals

Budget holistically: Consider taxes, insurance, HOA, and the annual fee—not just principal and interest.
Compare scenarios: Try different down payments and term lengths to see real monthly impact.
Plan for reserves: Keep an emergency fund to protect your home budget from surprise costs.
Think long term: A shorter term can reduce total interest but requires higher monthly payments.

Clarity creates confidence. When you see every cost, you can choose a home—and a payment—that truly fits.

Step-by-step guide to use this USDA calculator

Enter home price: The expected purchase price.
Set your down payment: Use percentage or amount—both fields sync.
Add interest rate and term: Choose years that match your goals.
Include taxes, insurance, HOA: Use your best local estimates.
Adjust USDA fees: Edit the upfront guarantee fee and annual fee if needed.
Choose to finance the upfront fee: Add it to your loan or pay it at closing.
Calculate: Review your monthly total, payoff date, and the 3D doughnut breakdown.

Currency is a label only, so you can use this calculator globally—values are unit-agnostic.

Frequently asked questions

HOW TO calculate a USDA monthly payment with fees?

Start with principal and interest based on your loan amount, rate, and term. Add the monthly annual fee (annual rate ÷ 12 × loan amount), plus monthly estimates for property taxes, homeowner’s insurance, and HOA to get the total.

HOW TO decide whether to finance the upfront guarantee fee?

Financing raises your loan amount slightly but keeps cash needed at closing lower. Paying upfront reduces financed balance. Compare both to see which best fits your budget.

HOW TO lower my USDA monthly payment?

Choose a longer term for lower monthly cost, improve your credit profile to pursue better rates, and refine estimates for taxes and insurance. A small down payment can also reduce total financed costs.

HOW TO use this tool for non‑US currencies?

Enter any currency label (PKR, EUR, GBP). The math is unit‑agnostic; the label is for display. For taxes and insurance, use local estimates.

HOW TO compare USDA vs other loans?

Run this calculator, then compare against similar tools for FHA or conventional loans using the same inputs (price, rate, term, taxes, insurance, HOA) to see differences in fees and totals.

SEO-optimized keywords

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