USDA Loan Calculator

Estimate the monthly payment on a no-down-payment USDA home loan in Texas or Arizona. Unlike a generic mortgage calculator, this one can factor in the two fees unique to USDA financing — the upfront guarantee fee (financed into the loan) and the annual fee spread across your monthly payments — using the figures from your own quote.

Results are estimates for educational purposes only and are not a commitment to lend. Contact the Cook Brothers Mortgage Team for a personalized USDA eligibility assessment in Texas and Arizona.

Free USDA Payment Calculator

Estimate Your USDA Monthly Payment

USDA loans allow a no-down-payment purchase for eligible buyers. Enter a home price, your quoted rate and term, and the USDA fees from your quote to estimate your monthly payment.

Home Price

Down Payment (optional)

USDA needs none — leave at $0, or add a down payment to compare.

Interest Rate

Enter the rate you were quoted — we don't assume or suggest a rate, and no results show until you add your own.

Loan Term (years)Type the term from your quote; we don't assume one.

Upfront Guarantee Fee % (optional)USDA sets this fee; copy it from your quote to include it. Leave blank to skip.

Annual Fee % (optional)USDA sets this fee; copy it from your quote to include it. Leave blank to skip.

Household Income (optional)

All adult earners count toward the USDA income limit.

Household SizeSets which USDA income-limit tier applies.

Property Tax / yr (est.)

Leave blank for an estimate. Homeowners insurance auto-estimates too.

Homeowners Insurance / yr (est.)

Ready to See If You Qualify?

Our quick qualifier quiz takes about two minutes and tells you whether a no-down-payment USDA loan is within reach for your address and income.

Take the Qualifier Quiz Call (469) 405-2690

Tanner Cook, NMLS #2090424 | Zac Cook, NMLS #2111496
Cornerstone First Mortgage, NMLS #173855. Equal Housing Lender. Not affiliated with or endorsed by the U.S. Department of Agriculture.