USDA Loan Calculator

Calculate USDA rural development loan payments and check income eligibility.

Loan Details

Home Price ($)

USDA loans require $0 down payment

Interest Rate (%)

Loan Term

Property Tax ($/year)

Home Insurance ($/year)

Annual Household Income ($)

Household Size

County Median Income ($)

Find your county limit at USDA eligibility site

Existing Monthly Debt ($)

$1978

$0 down payment required

Income EligibilityELIGIBLE

Limit: $97,750 for your household

Debt-to-Income RatiosEXCEEDS LIMITS

Front-end: 31.6% (max 29%)

Back-end: 39.6% (max 41%)

Principal & Interest$1596

Guarantee Fee (Annual)$74

Property Tax$208

Home Insurance$100

$2,500

Upfront Fee (1%)

$884

Annual Fee (0.35%)

$252,500

Total Loan Amount

$29,013

Total Fees (Life of Loan)

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MyCalcBuddy Editorial Team

This page is maintained as an educational calculator reference.

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Formula Source: Standard Mathematical References

by Various

ðŸ”„Last reviewed: May 2026

âœ“Formula checks are based on standard references and internal QA review.