What does a USDA loan cost?
USDA guaranteed loan payment with the published upfront and annual fees.
01Home & loan
02Monthly extras
≡Amortization schedule
360 payments · total interest $368,624
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | $18,837 | $3,551 | $299,449 |
| 2 | $18,609 | $3,779 | $295,671 |
| 3 | $18,365 | $4,022 | $291,649 |
| 4 | $18,107 | $4,281 | $287,368 |
| 5 | $17,831 | $4,556 | $282,812 |
| 6 | $17,538 | $4,849 | $277,963 |
| 7 | $17,226 | $5,161 | $272,802 |
| 8 | $16,895 | $5,493 | $267,309 |
| 9 | $16,541 | $5,846 | $261,463 |
| 10 | $16,165 | $6,222 | $255,240 |
| 11 | $15,765 | $6,623 | $248,618 |
| 12 | $15,339 | $7,049 | $241,569 |
| 13 | $14,886 | $7,502 | $234,067 |
| 14 | $14,403 | $7,984 | $226,083 |
| 15 | $13,889 | $8,498 | $217,585 |
| 16 | $13,343 | $9,045 | $208,540 |
| 17 | $12,761 | $9,626 | $198,914 |
| 18 | $12,142 | $10,246 | $188,668 |
| 19 | $11,483 | $10,905 | $177,764 |
| 20 | $10,782 | $11,606 | $166,158 |
| 21 | $10,035 | $12,352 | $153,805 |
| 22 | $9,240 | $13,147 | $140,658 |
| 23 | $8,395 | $13,993 | $126,666 |
| 24 | $7,495 | $14,893 | $111,773 |
| 25 | $6,537 | $15,851 | $95,923 |
| 26 | $5,517 | $16,870 | $79,052 |
| 27 | $4,432 | $17,955 | $61,097 |
| 28 | $3,277 | $19,110 | $41,987 |
| 29 | $2,048 | $20,339 | $21,648 |
| 30 | $740 | $21,648 | $0 |
ƒHow this is calculated
- Upfront guarantee fee = 1% of the loan. The annual fee is 0.35%, charged monthly on the average scheduled balance (first year shown).
- USDA loans have household income limits and property location rules. You can check eligibility on the USDA website, or we can check it for you.
Estimates for illustration only. This is not a loan offer, rate quote, or commitment to lend. Results come only from the numbers entered above. Interest rates are examples you supply, not advertised rates, so check current rates before deciding. Fee schedules and limits shown are published figures that can change.
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Austin Gerimonte, NMLS #2277430 · CrossCountry Mortgage, LLC NMLS #3029 · Equal Housing Lender · NMLSConsumerAccess.org