USDA Loan Calculator

Calculate Your USDA Loan Payment

Estimate your monthly payment with 0% down payment for eligible rural properties

Loan Details

Home Price

100% financing - no down payment required

Interest Rate (%)

Loan Term

Property Tax (mo)

Insurance (mo)

Your Monthly Payment

Total Monthly Payment

Principal & Interest$0

Monthly Guarantee Fee$0

Property Tax$250

Home Insurance$125

Loan Summary

Home Price$250,000

Down Payment$0 (0%)

Upfront Guarantee Fee (1%)$0

Total Loan Amount$0

Total Interest Paid$0

USDA Benefits: 0% down payment, competitive rates, and $0 upfront fee rolled into the loan. Monthly guarantee fee of $0.

* USDA loans are available for eligible properties in qualified rural areas. Income limits apply. These calculations are estimates only.

Quick Answer

How a USDA Payment Is Built

A USDA payment is principal and interest plus a 1% upfront guarantee fee financed into the loan and an annual fee of 0.35% of the balance spread across twelve months. There is no down payment. The two things that decide whether you can use it are geography and household income — the property must sit in a USDA-eligible rural area, and total household income must stay under the county limit.

Around San Antonio that puts communities toward Wilson County, parts of Guadalupe and Comal counties, and the edges past Loop 1604 in play, while most of Bexar County proper is excluded. Boundaries are redrawn periodically, so verify the specific address rather than the town.

What This Calculator Accounts For

The Numbers That Move Your Payment

Zero down payment

USDA finances 100% of the appraised value, the same as VA, which makes it the fallback for buyers with no entitlement and no savings.

Household income cap

Income from everyone in the household counts, not just borrowers on the loan — an adult child's wages can push you over the county limit.

Property eligibility by address

Eligibility is drawn parcel by parcel. A house on one side of a road can qualify while its neighbor does not.

Lower annual fee than FHA

At 0.35%, the USDA annual fee is meaningfully cheaper than FHA's typical 0.55% on the same balance.

FAQs

USDA Calculator Questions

Quick Answer

Most of Bexar County inside the urban footprint is not, but many communities in Wilson County, outer Guadalupe and Comal counties, and areas beyond Loop 1604 are. Eligibility is determined by the exact address, so check the parcel before writing an offer.

VA, in most cases. Both are zero down, but VA has no annual fee at all and no income cap or geographic restriction. USDA becomes the better answer when you have no VA entitlement left or none to begin with.

It varies by county and household size and is adjusted annually. It measures total household income, including members who are not on the loan, which surprises many applicants.

The home must meet USDA condition standards at closing. Properties needing significant repair usually require a renovation product instead, or repairs completed by the seller before closing.

Ready to Buy in Rural America?

Check if you qualify for 100% USDA financing

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