USDA Rural Development Loan 2027 Calculator
Calculate USDA Section 502 Guaranteed loan 2027 — 0% down for rural homes, 1% upfront guarantee fee, 0.35% annual fee. Income limits apply.
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USDA Section 502 Guaranteed
100% financing. No down payment. 30-year fixed. Lower rates than FHA typically. Income capped 115% of area median income (AMI).
Property Eligibility
Must be USDA-designated rural. Maps at eligibility.sc.egov.usda.gov. Many suburbs of major cities qualify (surprising).
Income Limits 2027
115% of HUD AMI for household. Family of 4 in typical county: $90-110k. Major metro suburbs higher: $115-145k.
Fees
Upfront 1% guarantee fee (financed). Annual 0.35% guarantee fee (monthly). Way cheaper than FHA MIP (1.75% + 0.55%).
Source: rd.usda.gov/programs-services/single-family-housing-guaranteed-loan-program. Last updated: May 2026.