Mortgage Calculators
USDA Loan Calculator
Estimate a USDA rural housing payment including the upfront guarantee fee and the annual fee charged monthly.
Estimated monthly payment
$2,345.66
- Principal & interest
- $1,865.62
- Mortgage insurance / annual fee
- $88.38
- Tax & insurance
- $391.67
- Total financed
- $303,000
- Principal & interest
- Fees
- Escrow
Repayment schedule — yearly
| Year | Interest paid | Principal paid | Balance remaining |
|---|---|---|---|
| 1 | $18,837 | $3,551 | $299,449 |
| 2 | $18,609 | $3,779 | $295,671 |
| 3 | $18,365 | $4,022 | $291,649 |
| 4 | $18,107 | $4,281 | $287,368 |
| 5 | $17,831 | $4,556 | $282,812 |
| 6 | $17,538 | $4,849 | $277,963 |
| 7 | $17,226 | $5,161 | $272,802 |
| 8 | $16,895 | $5,493 | $267,309 |
| 9 | $16,541 | $5,846 | $261,463 |
| 10 | $16,165 | $6,222 | $255,240 |
How this calculator works
Financed = price − deposit + upfront fee; Payment = amortised financed amount + annual fee ÷ 12 + escrow
- upfront fee
- 1% of the base loan, financed into the balance
- annual fee
- 0.35% of the balance, charged monthly
Example calculation
Illustrative example — not advice
Worked example — the usda loan calculator as it loads, using the default figures below.
- 01Enter home price: $300,000.
- 02Enter down payment: $0.
- 03Enter interest rate: 6.25%.
- 04Enter loan term: 30 years.
- 05Enter annual property tax: $3,300.
- 06Enter annual home insurance: $1,400.
- 07Read the estimated monthly payment from the results panel: $2,345.66.
Estimated monthly payment: $2,345.66. Principal & interest: $1,865.62. Mortgage insurance / annual fee: $88.38. Tax & insurance: $391.67. Total financed: $303,000.
These figures come straight from the calculator above running on the values listed, so you can retype them and confirm every number yourself. Change any input and the results update immediately. Illustrative only — not a quote, offer or recommendation.
Important considerations
- Eligibility rules, county limits and fee tiers vary — confirm the exact figures with an approved lender.
- Fees shown use current headline rates and are financed into the loan where the programme allows.
Related calculators
- Mortgage CalculatorEstimate your total monthly mortgage payment and see the amortisation schedule.
- Mortgage Affordability CalculatorHow much house your income and debts realistically support.
- Down Payment CalculatorDeposit required, loan needed and time to save it.
- Closing Cost CalculatorTotal cash needed to close, deposit included.
- Loan-to-Value CalculatorLTV ratio, equity and the gap to the next rate band.
- Mortgage Payment CalculatorPrincipal and interest payment on any home loan amount.
Terms used here
Frequently asked questions
Are these fees refundable?
Partial refunds of upfront fees exist on some programmes if you refinance early. Ask the lender before assuming one applies.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01