USAUpdated for 2026Real EstateUSDA Rural Housing Loan & Guarantee Fee Calculator 2026
Calculate statutory zero-down-payment borrowing capacity, 1.0% upfront guarantee fee, 0.35% annual insurance fee, and income eligibility under the USDA Section 502 Rural Housing Loan program.
Total Monthly USDA Payment (P&I + Fee)
Calculator Inputs
Total Monthly USDA Payment (P&I + Fee)
Total Loan Financed (0% Down)
USDA 1.0% Upfront Guarantee Fee
Monthly Principal & Interest
Monthly USDA Annual Fee (0.35%)
Income Margin Below County 115% Cap
USDA loans offer 100% financing (0% down payment) for eligible rural and suburban properties. Borrower household income cannot exceed 115% of the local median household income.
This calculator is a mathematical model for general financial estimation, planning, and educational guidance. Results depend on your inputs and standard formulas, and do not constitute binding financial, tax, or investment advice. Always consult a qualified professional before making financial decisions.
Calculation Methodology
Down Payment = $0 (100% LTV). Upfront Guarantee Fee (1.0%) = Purchase Price * 1.0%. Total Financed Loan = Purchase Price + Upfront Guarantee Fee. Monthly P&I = Amortization formula. Monthly USDA Annual Fee (0.35%) = (Remaining Principal * 0.35%) / 12.
Frequently Asked Questions
Related Calculators
Recommended tools and calculators tailored to your current calculation
USAFHA 203(k) Rehab Loan & Renovation Mortgage Calculator 2026
USAFHA vs Conventional Mortgage & PMI Comparison Calculator 2026
USAUS Home Buyer & Seller Real Estate Closing Costs Calculator
USAUS Private Mortgage Insurance (PMI) Monthly Cost & Cancellation Calculator
USAUS FHA Loan, 3.5% Down Payment & Mortgage Insurance (MIP) Calculator
USAUS Section 1031 Like-Kind Exchange Tax Deferral Calculator 2026
USAUS VA Home Loan, 0% Down Payment & VA Funding Fee Calculator
USA