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.
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.
Frequently Asked Questions
What's 'rural'?
USDA-designated. Often includes towns up to 35,000 population. Many suburbs near smaller cities qualify. Check USDA map first.
Credit score min?
Officially 640. Some lenders 580-620 with compensating factors. Higher score = better rate.
Existing USDA loan — refi?
USDA Streamline-Assist refi available. No appraisal needed. Rate must be 1%+ lower. Quick process.