USDA Loan Calculator.

USDA Mortgage Calculator

Use this free tool to figure your monthly payments on a fixed-rate USDA mortgage for a given loan amount. By default the USDA loan guarantee fee is rolled into the loan. Borrowers can unclick the associated check box if they do not wish to finance that fee in their mortgage. Current home loan rates are shown beneath the calculator.


Loan Information Amount
Loan Information
Home loan amount: $
Current Interest Rates: %
Term of the loan: years
USDA Guarantee Fee: %
Finance Loan Guarantee Fee:
Annual USDA MIP Fee: %
Discount Points: %
Any Other Closing Costs: $
Home Information
Property Value: $
Annual Real Estate Taxes: $
Annual Homeowner's Insurance: $
Monthly HOA Dues: $
 
USDA Home Loan Summary for a 30-yr $262,626.00 Mortgage

$1,330.69

Monthly Principal & Interest Payment

$262,626.00

Loan Amount

$451.60

Other Monthly Costs of Ownership

30 years

Term of Loan

$1,782.29

All-inclusive Monthly Payment

4.50%

Interest Rate

$0.00

Cost of Discount Points

$2,626.00

Cost of USDA Loan Guarantee

$0.00

Other Closing Costs

$2,626.00

Total Closing Costs

Current 30-Year Mortgage Rates on a $200,000 Home Loan

The following table highlights locally available current mortgage rates. By default 30-year purchase loans are displayed. Clicking on the refinance button switches loans to refinance. Other loan adjustment options including price, down payment, home location, credit score, term & ARM options are available for selection in the filters area at the top of the table.

Amortization Schedule for a $262,626.00 30-Year Fixed-rate Home Loan @ 4.50% APR

Year Month Interest Principal Balance
1 1 $984.85 $345.84 $262,280.16
1 2 $983.55 $347.14 $261,933.02
1 3 $982.25 $348.44 $261,584.58
1 4 $980.94 $349.75 $261,234.84
1 5 $979.63 $351.06 $260,883.78
1 6 $978.31 $352.37 $260,531.41
1 7 $976.99 $353.69 $260,177.72
1 8 $975.67 $355.02 $259,822.69
1 9 $974.34 $356.35 $259,466.34
1 10 $973.00 $357.69 $259,108.65
1 11 $971.66 $359.03 $258,749.62
1 12 $970.31 $360.38 $258,389.25
Totals for year 1 $11,731.50 $4,236.75 $258,389.25
2 1 $968.96 $361.73 $258,027.52
2 2 $967.60 $363.08 $257,664.44
2 3 $966.24 $364.45 $257,299.99
2 4 $964.87 $365.81 $256,934.18
2 5 $963.50 $367.18 $256,566.99
2 6 $962.13 $368.56 $256,198.43
2 7 $960.74 $369.94 $255,828.49
2 8 $959.36 $371.33 $255,457.16
2 9 $957.96 $372.72 $255,084.44
2 10 $956.57 $374.12 $254,710.31
2 11 $955.16 $375.52 $254,334.79
2 12 $953.76 $376.93 $253,957.86
Totals for year 2 $11,536.86 $4,431.39 $253,957.86
3 1 $952.34 $378.35 $253,579.51
3 2 $950.92 $379.76 $253,199.75
3 3 $949.50 $381.19 $252,818.56
3 4 $948.07 $382.62 $252,435.94
3 5 $946.63 $384.05 $252,051.89
3 6 $945.19 $385.49 $251,666.40
3 7 $943.75 $386.94 $251,279.46
3 8 $942.30 $388.39 $250,891.07
3 9 $940.84 $389.85 $250,501.22
3 10 $939.38 $391.31 $250,109.92
3 11 $937.91 $392.78 $249,717.14
3 12 $936.44 $394.25 $249,322.89
Totals for year 3 $11,333.28 $4,634.97 $249,322.89
4 1 $934.96 $395.73 $248,927.17
4 2 $933.48 $397.21 $248,529.96
4 3 $931.99 $398.70 $248,131.26
4 4 $930.49 $400.20 $247,731.06
4 5 $928.99 $401.70 $247,329.37
4 6 $927.49 $403.20 $246,926.16
4 7 $925.97 $404.71 $246,521.45
4 8 $924.46 $406.23 $246,115.22
4 9 $922.93 $407.76 $245,707.46
4 10 $921.40 $409.28 $245,298.18
4 11 $919.87 $410.82 $244,887.36
4 12 $918.33 $412.36 $244,475.00
Totals for year 4 $11,120.35 $4,847.90 $244,475.00
5 1 $916.78 $413.91 $244,061.09
5 2 $915.23 $415.46 $243,645.63
5 3 $913.67 $417.02 $243,228.62
5 4 $912.11 $418.58 $242,810.04
5 5 $910.54 $420.15 $242,389.89
5 6 $908.96 $421.73 $241,968.16
5 7 $907.38 $423.31 $241,544.86
5 8 $905.79 $424.89 $241,119.96
5 9 $904.20 $426.49 $240,693.47
5 10 $902.60 $428.09 $240,265.39
5 11 $901.00 $429.69 $239,835.70
5 12 $899.38 $431.30 $239,404.39
Totals for year 5 $10,897.64 $5,070.61 $239,404.39
6 1 $897.77 $432.92 $238,971.47
6 2 $896.14 $434.54 $238,536.93
6 3 $894.51 $436.17 $238,100.75
6 4 $892.88 $437.81 $237,662.94
6 5 $891.24 $439.45 $237,223.49
6 6 $889.59 $441.10 $236,782.39
6 7 $887.93 $442.75 $236,339.64
6 8 $886.27 $444.41 $235,895.23
6 9 $884.61 $446.08 $235,449.14
6 10 $882.93 $447.75 $235,001.39
6 11 $881.26 $449.43 $234,551.96
6 12 $879.57 $451.12 $234,100.84
Totals for year 6 $10,664.70 $5,303.55 $234,100.84
7 1 $877.88 $452.81 $233,648.03
7 2 $876.18 $454.51 $233,193.53
7 3 $874.48 $456.21 $232,737.31
7 4 $872.76 $457.92 $232,279.39
7 5 $871.05 $459.64 $231,819.75
7 6 $869.32 $461.36 $231,358.39
7 7 $867.59 $463.09 $230,895.30
7 8 $865.86 $464.83 $230,430.47
7 9 $864.11 $466.57 $229,963.89
7 10 $862.36 $468.32 $229,495.57
7 11 $860.61 $470.08 $229,025.49
7 12 $858.85 $471.84 $228,553.65
Totals for year 7 $10,421.05 $5,547.19 $228,553.65
8 1 $857.08 $473.61 $228,080.04
8 2 $855.30 $475.39 $227,604.65
8 3 $853.52 $477.17 $227,127.48
8 4 $851.73 $478.96 $226,648.52
8 5 $849.93 $480.76 $226,167.77
8 6 $848.13 $482.56 $225,685.21
8 7 $846.32 $484.37 $225,200.84
8 8 $844.50 $486.18 $224,714.66
8 9 $842.68 $488.01 $224,226.65
8 10 $840.85 $489.84 $223,736.81
8 11 $839.01 $491.67 $223,245.14
8 12 $837.17 $493.52 $222,751.62
Totals for year 8 $10,166.22 $5,802.03 $222,751.62
9 1 $835.32 $495.37 $222,256.25
9 2 $833.46 $497.23 $221,759.02
9 3 $831.60 $499.09 $221,259.93
9 4 $829.72 $500.96 $220,758.97
9 5 $827.85 $502.84 $220,256.13
9 6 $825.96 $504.73 $219,751.40
9 7 $824.07 $506.62 $219,244.78
9 8 $822.17 $508.52 $218,736.26
9 9 $820.26 $510.43 $218,225.84
9 10 $818.35 $512.34 $217,713.50
9 11 $816.43 $514.26 $217,199.23
9 12 $814.50 $516.19 $216,683.04
Totals for year 9 $9,899.67 $6,068.57 $216,683.04
10 1 $812.56 $518.13 $216,164.92
10 2 $810.62 $520.07 $215,644.85
10 3 $808.67 $522.02 $215,122.83
10 4 $806.71 $523.98 $214,598.85
10 5 $804.75 $525.94 $214,072.91
10 6 $802.77 $527.91 $213,545.00
10 7 $800.79 $529.89 $213,015.10
10 8 $798.81 $531.88 $212,483.22
10 9 $796.81 $533.88 $211,949.35
10 10 $794.81 $535.88 $211,413.47
10 11 $792.80 $537.89 $210,875.58
10 12 $790.78 $539.90 $210,335.68
Totals for year 10 $9,620.88 $6,347.36 $210,335.68
11 1 $788.76 $541.93 $209,793.75
11 2 $786.73 $543.96 $209,249.79
11 3 $784.69 $546.00 $208,703.79
11 4 $782.64 $548.05 $208,155.74
11 5 $780.58 $550.10 $207,605.64
11 6 $778.52 $552.17 $207,053.47
11 7 $776.45 $554.24 $206,499.23
11 8 $774.37 $556.32 $205,942.92
11 9 $772.29 $558.40 $205,384.52
11 10 $770.19 $560.50 $204,824.02
11 11 $768.09 $562.60 $204,261.43
11 12 $765.98 $564.71 $203,696.72
Totals for year 11 $9,329.29 $6,638.96 $203,696.72
12 1 $763.86 $566.82 $203,129.89
12 2 $761.74 $568.95 $202,560.94
12 3 $759.60 $571.08 $201,989.86
12 4 $757.46 $573.23 $201,416.63
12 5 $755.31 $575.37 $200,841.26
12 6 $753.15 $577.53 $200,263.73
12 7 $750.99 $579.70 $199,684.03
12 8 $748.82 $581.87 $199,102.16
12 9 $746.63 $584.05 $198,518.10
12 10 $744.44 $586.24 $197,931.86
12 11 $742.24 $588.44 $197,343.41
12 12 $740.04 $590.65 $196,752.76
Totals for year 12 $9,024.29 $6,943.95 $196,752.76
13 1 $737.82 $592.86 $196,159.90
13 2 $735.60 $595.09 $195,564.81
13 3 $733.37 $597.32 $194,967.49
13 4 $731.13 $599.56 $194,367.93
13 5 $728.88 $601.81 $193,766.13
13 6 $726.62 $604.06 $193,162.06
13 7 $724.36 $606.33 $192,555.73
13 8 $722.08 $608.60 $191,947.13
13 9 $719.80 $610.89 $191,336.24
13 10 $717.51 $613.18 $190,723.07
13 11 $715.21 $615.48 $190,107.59
13 12 $712.90 $617.78 $189,489.81
Totals for year 13 $8,705.29 $7,262.96 $189,489.81
14 1 $710.59 $620.10 $188,869.71
14 2 $708.26 $622.43 $188,247.28
14 3 $705.93 $624.76 $187,622.52
14 4 $703.58 $627.10 $186,995.42
14 5 $701.23 $629.45 $186,365.96
14 6 $698.87 $631.82 $185,734.15
14 7 $696.50 $634.18 $185,099.96
14 8 $694.12 $636.56 $184,463.40
14 9 $691.74 $638.95 $183,824.45
14 10 $689.34 $641.35 $183,183.11
14 11 $686.94 $643.75 $182,539.36
14 12 $684.52 $646.16 $181,893.19
Totals for year 14 $8,371.63 $7,596.62 $181,893.19
15 1 $682.10 $648.59 $181,244.60
15 2 $679.67 $651.02 $180,593.58
15 3 $677.23 $653.46 $179,940.12
15 4 $674.78 $655.91 $179,284.21
15 5 $672.32 $658.37 $178,625.84
15 6 $669.85 $660.84 $177,965.00
15 7 $667.37 $663.32 $177,301.68
15 8 $664.88 $665.81 $176,635.87
15 9 $662.38 $668.30 $175,967.57
15 10 $659.88 $670.81 $175,296.76
15 11 $657.36 $673.32 $174,623.44
15 12 $654.84 $675.85 $173,947.59
Totals for year 15 $8,022.64 $7,945.60 $173,947.59
16 1 $652.30 $678.38 $173,269.20
16 2 $649.76 $680.93 $172,588.27
16 3 $647.21 $683.48 $171,904.79
16 4 $644.64 $686.04 $171,218.75
16 5 $642.07 $688.62 $170,530.13
16 6 $639.49 $691.20 $169,838.93
16 7 $636.90 $693.79 $169,145.14
16 8 $634.29 $696.39 $168,448.75
16 9 $631.68 $699.00 $167,749.74
16 10 $629.06 $701.63 $167,048.12
16 11 $626.43 $704.26 $166,343.86
16 12 $623.79 $706.90 $165,636.96
Totals for year 16 $7,657.62 $8,310.62 $165,636.96
17 1 $621.14 $709.55 $164,927.41
17 2 $618.48 $712.21 $164,215.20
17 3 $615.81 $714.88 $163,500.32
17 4 $613.13 $717.56 $162,782.76
17 5 $610.44 $720.25 $162,062.51
17 6 $607.73 $722.95 $161,339.56
17 7 $605.02 $725.66 $160,613.89
17 8 $602.30 $728.39 $159,885.51
17 9 $599.57 $731.12 $159,154.39
17 10 $596.83 $733.86 $158,420.53
17 11 $594.08 $736.61 $157,683.92
17 12 $591.31 $739.37 $156,944.55
Totals for year 17 $7,275.84 $8,692.41 $156,944.55
18 1 $588.54 $742.15 $156,202.41
18 2 $585.76 $744.93 $155,457.48
18 3 $582.97 $747.72 $154,709.76
18 4 $580.16 $750.53 $153,959.23
18 5 $577.35 $753.34 $153,205.89
18 6 $574.52 $756.17 $152,449.72
18 7 $571.69 $759.00 $151,690.72
18 8 $568.84 $761.85 $150,928.88
18 9 $565.98 $764.70 $150,164.17
18 10 $563.12 $767.57 $149,396.60
18 11 $560.24 $770.45 $148,626.15
18 12 $557.35 $773.34 $147,852.81
Totals for year 18 $6,876.51 $9,091.74 $147,852.81
19 1 $554.45 $776.24 $147,076.57
19 2 $551.54 $779.15 $146,297.42
19 3 $548.62 $782.07 $145,515.35
19 4 $545.68 $785.00 $144,730.34
19 5 $542.74 $787.95 $143,942.40
19 6 $539.78 $790.90 $143,151.49
19 7 $536.82 $793.87 $142,357.62
19 8 $533.84 $796.85 $141,560.78
19 9 $530.85 $799.83 $140,760.94
19 10 $527.85 $802.83 $139,958.11
19 11 $524.84 $805.84 $139,152.26
19 12 $521.82 $808.87 $138,343.40
Totals for year 19 $6,458.84 $9,509.41 $138,343.40
20 1 $518.79 $811.90 $137,531.50
20 2 $515.74 $814.94 $136,716.55
20 3 $512.69 $818.00 $135,898.55
20 4 $509.62 $821.07 $135,077.49
20 5 $506.54 $824.15 $134,253.34
20 6 $503.45 $827.24 $133,426.10
20 7 $500.35 $830.34 $132,595.76
20 8 $497.23 $833.45 $131,762.31
20 9 $494.11 $836.58 $130,925.73
20 10 $490.97 $839.72 $130,086.01
20 11 $487.82 $842.86 $129,243.15
20 12 $484.66 $846.03 $128,397.12
Totals for year 20 $6,021.97 $9,946.27 $128,397.12
21 1 $481.49 $849.20 $127,547.93
21 2 $478.30 $852.38 $126,695.54
21 3 $475.11 $855.58 $125,839.96
21 4 $471.90 $858.79 $124,981.18
21 5 $468.68 $862.01 $124,119.17
21 6 $465.45 $865.24 $123,253.93
21 7 $462.20 $868.49 $122,385.44
21 8 $458.95 $871.74 $121,513.70
21 9 $455.68 $875.01 $120,638.69
21 10 $452.40 $878.29 $119,760.40
21 11 $449.10 $881.59 $118,878.81
21 12 $445.80 $884.89 $117,993.92
Totals for year 21 $5,565.04 $10,403.20 $117,993.92
22 1 $442.48 $888.21 $117,105.71
22 2 $439.15 $891.54 $116,214.17
22 3 $435.80 $894.88 $115,319.28
22 4 $432.45 $898.24 $114,421.04
22 5 $429.08 $901.61 $113,519.44
22 6 $425.70 $904.99 $112,614.45
22 7 $422.30 $908.38 $111,706.06
22 8 $418.90 $911.79 $110,794.27
22 9 $415.48 $915.21 $109,879.07
22 10 $412.05 $918.64 $108,960.42
22 11 $408.60 $922.09 $108,038.34
22 12 $405.14 $925.54 $107,112.79
Totals for year 22 $5,087.12 $10,881.13 $107,112.79
23 1 $401.67 $929.01 $106,183.78
23 2 $398.19 $932.50 $105,251.28
23 3 $394.69 $936.00 $104,315.29
23 4 $391.18 $939.51 $103,375.78
23 5 $387.66 $943.03 $102,432.75
23 6 $384.12 $946.56 $101,486.19
23 7 $380.57 $950.11 $100,536.08
23 8 $377.01 $953.68 $99,582.40
23 9 $373.43 $957.25 $98,625.15
23 10 $369.84 $960.84 $97,664.30
23 11 $366.24 $964.45 $96,699.86
23 12 $362.62 $968.06 $95,731.79
Totals for year 23 $4,587.25 $11,381.00 $95,731.79
24 1 $358.99 $971.69 $94,760.10
24 2 $355.35 $975.34 $93,784.76
24 3 $351.69 $978.99 $92,805.77
24 4 $348.02 $982.67 $91,823.10
24 5 $344.34 $986.35 $90,836.75
24 6 $340.64 $990.05 $89,846.70
24 7 $336.93 $993.76 $88,852.94
24 8 $333.20 $997.49 $87,855.45
24 9 $329.46 $1,001.23 $86,854.22
24 10 $325.70 $1,004.98 $85,849.24
24 11 $321.93 $1,008.75 $84,840.48
24 12 $318.15 $1,012.54 $83,827.95
Totals for year 24 $4,064.40 $11,903.84 $83,827.95
25 1 $314.35 $1,016.33 $82,811.62
25 2 $310.54 $1,020.14 $81,791.47
25 3 $306.72 $1,023.97 $80,767.50
25 4 $302.88 $1,027.81 $79,739.69
25 5 $299.02 $1,031.66 $78,708.03
25 6 $295.16 $1,035.53 $77,672.50
25 7 $291.27 $1,039.42 $76,633.08
25 8 $287.37 $1,043.31 $75,589.77
25 9 $283.46 $1,047.23 $74,542.54
25 10 $279.53 $1,051.15 $73,491.39
25 11 $275.59 $1,055.09 $72,436.30
25 12 $271.64 $1,059.05 $71,377.25
Totals for year 25 $3,517.54 $12,450.70 $71,377.25
26 1 $267.66 $1,063.02 $70,314.22
26 2 $263.68 $1,067.01 $69,247.21
26 3 $259.68 $1,071.01 $68,176.20
26 4 $255.66 $1,075.03 $67,101.18
26 5 $251.63 $1,079.06 $66,022.12
26 6 $247.58 $1,083.10 $64,939.01
26 7 $243.52 $1,087.17 $63,851.85
26 8 $239.44 $1,091.24 $62,760.61
26 9 $235.35 $1,095.34 $61,665.27
26 10 $231.24 $1,099.44 $60,565.83
26 11 $227.12 $1,103.57 $59,462.26
26 12 $222.98 $1,107.70 $58,354.56
Totals for year 26 $2,945.56 $13,022.69 $58,354.56
27 1 $218.83 $1,111.86 $57,242.70
27 2 $214.66 $1,116.03 $56,126.67
27 3 $210.48 $1,120.21 $55,006.46
27 4 $206.27 $1,124.41 $53,882.05
27 5 $202.06 $1,128.63 $52,753.42
27 6 $197.83 $1,132.86 $51,620.56
27 7 $193.58 $1,137.11 $50,483.45
27 8 $189.31 $1,141.37 $49,342.07
27 9 $185.03 $1,145.65 $48,196.42
27 10 $180.74 $1,149.95 $47,046.47
27 11 $176.42 $1,154.26 $45,892.20
27 12 $172.10 $1,158.59 $44,733.61
Totals for year 27 $2,347.30 $13,620.95 $44,733.61
28 1 $167.75 $1,162.94 $43,570.68
28 2 $163.39 $1,167.30 $42,403.38
28 3 $159.01 $1,171.67 $41,231.70
28 4 $154.62 $1,176.07 $40,055.63
28 5 $150.21 $1,180.48 $38,875.16
28 6 $145.78 $1,184.91 $37,690.25
28 7 $141.34 $1,189.35 $36,500.90
28 8 $136.88 $1,193.81 $35,307.09
28 9 $132.40 $1,198.29 $34,108.81
28 10 $127.91 $1,202.78 $32,906.03
28 11 $123.40 $1,207.29 $31,698.74
28 12 $118.87 $1,211.82 $30,486.92
Totals for year 28 $1,721.56 $14,246.69 $30,486.92
29 1 $114.33 $1,216.36 $29,270.56
29 2 $109.76 $1,220.92 $28,049.64
29 3 $105.19 $1,225.50 $26,824.14
29 4 $100.59 $1,230.10 $25,594.04
29 5 $95.98 $1,234.71 $24,359.33
29 6 $91.35 $1,239.34 $23,119.99
29 7 $86.70 $1,243.99 $21,876.00
29 8 $82.04 $1,248.65 $20,627.35
29 9 $77.35 $1,253.33 $19,374.01
29 10 $72.65 $1,258.03 $18,115.98
29 11 $67.93 $1,262.75 $16,853.23
29 12 $63.20 $1,267.49 $15,585.74
Totals for year 29 $1,067.07 $14,901.18 $15,585.74
30 1 $58.45 $1,272.24 $14,313.50
30 2 $53.68 $1,277.01 $13,036.49
30 3 $48.89 $1,281.80 $11,754.69
30 4 $44.08 $1,286.61 $10,468.08
30 5 $39.26 $1,291.43 $9,176.65
30 6 $34.41 $1,296.27 $7,880.37
30 7 $29.55 $1,301.14 $6,579.24
30 8 $24.67 $1,306.02 $5,273.22
30 9 $19.77 $1,310.91 $3,962.31
30 10 $14.86 $1,315.83 $2,646.48
30 11 $9.92 $1,320.76 $1,325.72
30 12 $4.97 $1,325.72 $0.00
Totals for year 30 $382.51 $15,585.74 $0.00

Rural Landscape.