USDA Mortgage Calculator
Calculate USDA rural development loan payments with 0% down payment
USDA Mortgage Calculator
Calculate monthly payments for USDA rural development loans
The full USDA mortgage calculator is available on our main calculator page
Go to Main CalculatorUSDA Loan Features
Key benefits of USDA rural development loans
Down Payment0% required
No down payment required for eligible borrowers
Guarantee Fee0.35% annually
Annual fee that can be rolled into loan amount
Credit Score640+ typical
Flexible credit requirements compared to conventional loans
Income LimitsArea-specific
Must not exceed 115% of area median income
USDA Loan Benefits
- No down payment required
- Competitive interest rates
- Lower mortgage insurance
- No maximum loan amount limit
Eligibility Requirements
- Property in eligible rural area
- Income within area limits
- US citizen or permanent resident
- Property as primary residence
USDA vs Conventional Loan Comparison
Compare USDA loans with conventional mortgages
FeatureUSDAConventionalFHAVA
Down Payment0%3-20%3.5%0%
MI/Fee0.35%0.5-1%0.85%Funding Fee
Income LimitYesNoNoNo
LocationRuralAnyAnyAny
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Use our mortgage calculator to determine your USDA loan payment with 0% down payment.
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