USDA Loan Affordability Tool

USDA Loan Affordability Estimator

Estimate potential USDA loan affordability based on your inputs and common guidelines.

** VERY IMPORTANT - PLEASE READ **

This tool provides **illustrative estimations** ONLY and is for educational purposes.
It does **NOT** determine actual USDA loan eligibility (income, property, credit) or guarantee loan approval/amount.
USDA guidelines (DTI ratios, guarantee fees) are subject to change. Always verify with official USDA sources and approved lenders.
This tool does not include all potential closing costs.
This is **NOT financial advice.** Consult with USDA-approved lenders and financial advisors.

Gross Annual Household Income ($):

Total Existing Monthly Debt Payments ($): (e.g., car, student, credit cards)

Estimated Annual Property Taxes ($):

Estimated Annual Homeowner's Insurance ($):

Other Monthly Housing Costs ($): (e.g., HOA, if any)

Loan Term (Years):

Expected Annual Interest Rate (%):

Upfront Guarantee Fee (% of loan):

Finance Upfront Guarantee Fee?

Annual Guarantee Fee (% of avg. balance):

Target Housing DTI (Front-End) (%):

Target Total DTI (Back-End) (%):