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Mortgage & Home Loans · Alternative & Specialty

USDA Loan Calculator

USDA rural housing loan payment with the upfront and annual guarantee fees.

  • Free to use here · embed on the Free plan
  • 3 inputs · 5 results
  • English & Spanish

Try the USDA Loan Calculator

Estimate your USDA payment — 100% financing, results update live.

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Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the USDA Loan calculator works out

The USDA Loan Calculator is a free, embeddable calculator from CalcFunnel. USDA rural housing loan payment with the upfront and annual guarantee fees.

You enter 3 inputs: home price, interest rate (%) and loan term (years).

It returns monthly payment (P&I + fee), principal & interest, monthly guarantee fee, upfront guarantee fee (financed) and total loan amount.

Built for loan officers, brokers and homebuyers. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category.

Results it shows

  1. 01Monthly Payment (P&I + Fee)
  2. 02Principal & Interest
  3. 03Monthly Guarantee Fee
  4. 04Upfront Guarantee Fee (financed)
  5. 05Total Loan Amount

The first figure — monthly payment (p&i + fee) — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Home Price
The purchase price of the rural property. USDA loans offer 100% financing, so the full price becomes the base loan amount before the guarantee fee is added.
Interest Rate (%)
The annual interest rate on your USDA loan. USDA rates are typically competitive with conventional loans.
Loan Term (years)
How many years to repay the loan. USDA guaranteed loans are 30-year fixed-rate loans.

For your website

Embed this calculator on your website

Put the USDA Loan Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

USDA Loan calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the USDA Loan Calculator calculate?
USDA rural housing loan payment with the upfront and annual guarantee fees. It returns monthly payment (P&I + fee), principal & interest, monthly guarantee fee, upfront guarantee fee (financed) and total loan amount.
Q.02What information do I need to use the USDA Loan Calculator?
You enter 3 inputs: home price, interest rate (%) and loan term (years). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Home Price” mean in the USDA Loan Calculator?
The purchase price of the rural property. USDA loans offer 100% financing, so the full price becomes the base loan amount before the guarantee fee is added.
Q.04What does “Interest Rate (%)” mean in the USDA Loan Calculator?
The annual interest rate on your USDA loan. USDA rates are typically competitive with conventional loans.
Q.05Is the USDA Loan Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category. Compare plans.
Q.06Can I embed the USDA Loan Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the USDA Loan Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the USDA Loan results financial advice?
No. Estimates only. Property taxes and homeowners insurance are not included. USDA guarantee fees (1.00% upfront, 0.35% annual for FY2026), income limits and eligible rural areas are set by the USDA and change periodically. Confirm eligibility and current fees with a USDA-approved lender.

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The USDA Loan Calculator is one of 188 calculators you can brand and embed with one line of code.

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