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USDA Loan Calculator

Having a general idea of how much you qualify for gives you a good head start with any mortgage, including the USDA program.

I made a USDA mortgage calculator that figures everything out for you – all you have to do is enter your income and expenses, and everything will be calculated for you.

Keep in mind, while these figures below are reliable estimates, you should always check with us to make sure of your specific situation.

Interactive calculators are self-help tools. All examples are hypothetical and are for illustrative purposes only.

Try it out and see your results!

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  • This field is for validation purposes and should be left unchanged.

  • Calculate Your Qualifying Income

  • Enter your gross income. This is BEFORE taxes are taken out. If you want to cross check with USDA income guidelines, click here.
  • Enter your minimum monthly payments to creditors only. Rent and utilities do not count. (Ex. credit cards, student loans, car payment, etc).

  • Confirm Maximum Limits

  • This is the "ideal" maximum amount your monthly payment can be using the current Debt-to-Income requirements from USDA. It can go over this number, but not by much.
  • This is the estimated maximum loan that you will qualify for. Feel free to go back and check the USDA loan limits to see if everything falls in line.

  • Break Down the Numbers

  • Your principal and interest payment. Interest is based off the current average rates.
  • Estimated property taxes divided by 12.
  • Yearly homeowner's insurance divided by 12.

  • See Your Final Payment

    Just like with most mortgage loans, your final payment will roll everything into the final payment (i.e. taxes and insurance)
  • This is your estimated total monthly payment after everything is said and done.
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