USDA Rural Development Loan Calculator
USDA loans offer 100% financing for eligible rural and suburban homebuyers with low-to-moderate income.
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USDA Loan Details
Additional Costs
Annual fee of 0.35% of loan balance
1% upfront fee (can be rolled into loan)
Compare Loan Terms
Loan Summary
Monthly Payment
$1,313.41
+ $392.40/mo additional costs
Total: $1705.81/mo
30 years at 6.75% APR
Loan Details
Total Cost
First Year Payment Breakdown
| Month | Principal | Interest | Balance |
|---|---|---|---|
| 1 | $174.35 | $1,139.06 | $202,326 |
| 2 | $175.33 | $1,138.08 | $202,150 |
| 3 | $176.32 | $1,137.1 | $201,974 |
| 4 | $177.31 | $1,136.1 | $201,797 |
| 5 | $178.3 | $1,135.11 | $201,618 |
| 6 | $179.31 | $1,134.1 | $201,439 |
| 7 | $180.32 | $1,133.09 | $201,259 |
| 8 | $181.33 | $1,132.08 | $201,077 |
| 9 | $182.35 | $1,131.06 | $200,895 |
| 10 | $183.38 | $1,130.03 | $200,712 |
| 11 | $184.41 | $1,129 | $200,527 |
| 12 | $185.45 | $1,127.97 | $200,342 |
Early payments are mostly interest. Principal portion increases over time.
Principal vs Interest Over Time
Term Comparison
Loan Balance Over Time
💡 Tips
- • No down payment required
- • Lower mortgage insurance than FHA
- • Must meet income limits for your area
- • Property must be in USDA-eligible rural/suburban area
- • Can finance closing costs into loan
⚠️ Important Considerations
- • Income limits apply (typically 115% of median area income)
- • Property location restrictions
- • Cannot be used for investment properties
- • Funding fee required (1% upfront + 0.35% annual)
Frequently Asked Questions
Common questions about the USDA Rural Development Loan Calculator
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⚠️ Important Disclaimer
This USDA Rural Development Loan Calculator provides estimates for educational and informational purposes only. Actual results may vary significantly based on individual circumstances, market conditions, regulatory changes, and other factors beyond the scope of this calculator.
The calculations and projections provided are based on assumptions and historical data that may not reflect future performance.Past performance does not guarantee future results.
This tool is not financial advice, tax advice, legal advice, or investment advice. For personalized guidance tailored to your specific situation, please consult with qualified professionals including:
- Certified Financial Planner (CFP)
- Certified Public Accountant (CPA) for tax matters
- Licensed attorney for legal matters
- Registered Investment Advisor (RIA) for investment decisions
Data Accuracy: All data sources, statistics, and rates were verified as accurate as of October 2025. Tax rates, market conditions, and other financial data change over time. Always verify current rates and consult official sources.
No Warranties: While we strive for accuracy, we make no warranties or guarantees regarding the accuracy, completeness, or reliability of any information provided. Use this tool at your own risk.