USDA
USDA Loan Affordability Calculator
USDA Rural Development loans offer 100% financing (0% down) for eligible rural properties. Includes 1% upfront guarantee fee + 0.35% annual fee.
Loan Details
= $0 · LTV: 100.0%
USDA Fees
Upfront Guarantee Fee (1%): $2,800
USDA Loan Amount: $282,800
Annual Fee (0.35%): $82/mo
✓ No PMI required · 0% down available
Total Monthly USDA Payment
$2,250
/month
Payment Breakdown
Principal & Interest$1,834/mo
Property Tax$233/mo
Insurance$100/mo
USDA Annual Fee$82/mo
Loan Details
Home Value
$280,000
Base Loan
$280,000
USDA Guarantee Fee
$2,800
USDA Loan Amount
$282,800
Down Payment
$0
LTV Ratio
100.0%
Monthly P&I
$1,834
Monthly USDA Fee
$82
Front-End DTI
28.1%
Back-End DTI
34.4%