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| Advanced | Simple | Early Payoff | Refinance | HELOC | Recast | Interest Only | Biweekly | Extra Payments | Free Widget |
USDA Mortgage Calculator
USDA Mortgage Calculator with taxes and insurance to calculate USDA loan payments. The USDA Loan Calculator has options for property tax, home insurance, payment frequency (monthly and bi-weekly), monthly HOA fees, and extra payments with a printable amortization schedule.
USDA Mortgage Calculator Results |
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| Home Value: | $300,000.00 | |||||
| Mortgage Amount: | $303,000.00 | |||||
| Monthly Principal & Interest: | $1,626.57 | |||||
| Monthly Extra Payment: | $0.00 | |||||
| Monthly Property Tax: | $233.33 | |||||
| Monthly Home Insurance: | $69.17 | |||||
| Monthly Mortgage Insurance: | $87.50 | |||||
| Monthly HOA Fees: | $0.00 | |||||
Total Monthly Payment: |
$2,016.57 |
|||||
| Total # Of Payments: | 360 | |||||
| Start Date: | May, 2022 | |||||
| Payoff Date: | Apr, 2052 | |||||
| Down Payment: | $0.00 | |||||
| Principal (includes guarantee fee): | $303,000.00 | |||||
| Total Extra Payment: | $0.00 | |||||
| Total Interest Paid: | $282,565.03 | |||||
| Total Tax, Insurance, MI and Fees: | $140,400.00 | |||||
Total of all Payments: |
$725,965.03 |
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Mortgage Amortization Schedule |
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| Payment Date | Payment # | Interest | Principal | Tax, Insurance, MI & Fees | Total Payment | Balance |
|---|---|---|---|---|---|---|
| May, 2022 | 1 | $1,262.50 | $364.07 | $390.00 | $2,016.57 | $302,635.93 |
| Jun, 2022 | 2 | $1,260.98 | $365.59 | $390.00 | $2,016.57 | $302,270.34 |
| Jul, 2022 | 3 | $1,259.46 | $367.11 | $390.00 | $2,016.57 | $301,903.23 |
| Aug, 2022 | 4 | $1,257.93 | $368.64 | $390.00 | $2,016.57 | $301,534.59 |
| Sep, 2022 | 5 | $1,256.39 | $370.18 | $390.00 | $2,016.57 | $301,164.42 |
| Oct, 2022 | 6 | $1,254.85 | $371.72 | $390.00 | $2,016.57 | $300,792.70 |
| Nov, 2022 | 7 | $1,253.30 | $373.27 | $390.00 | $2,016.57 | $300,419.44 |
| Dec, 2022 | 8 | $1,251.75 | $374.82 | $390.00 | $2,016.57 | $300,044.61 |
| Jan, 2023 | 9 | $1,250.19 | $376.38 | $390.00 | $2,016.57 | $299,668.23 |
| Feb, 2023 | 10 | $1,248.62 | $377.95 | $390.00 | $2,016.57 | $299,290.28 |
| Mar, 2023 | 11 | $1,247.04 | $379.53 | $390.00 | $2,016.57 | $298,910.75 |
| Apr, 2023 | 12 | $1,245.46 | $381.11 | $390.00 | $2,016.57 | $298,529.64 |
| May, 2023 | 13 | $1,243.87 | $382.70 | $390.00 | $2,016.57 | $298,146.95 |
| Jun, 2023 | 14 | $1,242.28 | $384.29 | $390.00 | $2,016.57 | $297,762.66 |
| Jul, 2023 | 15 | $1,240.68 | $385.89 | $390.00 | $2,016.57 | $297,376.76 |
| Aug, 2023 | 16 | $1,239.07 | $387.50 | $390.00 | $2,016.57 | $296,989.26 |
| Sep, 2023 | 17 | $1,237.46 | $389.11 | $390.00 | $2,016.57 | $296,600.15 |
| Oct, 2023 | 18 | $1,235.83 | $390.74 | $390.00 | $2,016.57 | $296,209.42 |
| Nov, 2023 | 19 | $1,234.21 | $392.36 | $390.00 | $2,016.57 | $295,817.05 |
| Dec, 2023 | 20 | $1,232.57 | $394.00 | $390.00 | $2,016.57 | $295,423.05 |
| Jan, 2024 | 21 | $1,230.93 | $395.64 | $390.00 | $2,016.57 | $295,027.41 |
| Feb, 2024 | 22 | $1,229.28 | $397.29 | $390.00 | $2,016.57 | $294,630.12 |
| Mar, 2024 | 23 | $1,227.63 | $398.94 | $390.00 | $2,016.57 | $294,231.18 |
| Apr, 2024 | 24 | $1,225.96 | $400.61 | $390.00 | $2,016.57 | $293,830.57 |
| May, 2024 | 25 | $1,224.29 | $402.28 | $390.00 | $2,016.57 | $293,428.30 |
| Jun, 2024 | 26 | $1,222.62 | $403.95 | $390.00 | $2,016.57 | $293,024.35 |
| Jul, 2024 | 27 | $1,220.93 | $405.63 | $390.00 | $2,016.57 | $292,618.71 |
| Aug, 2024 | 28 | $1,219.24 | $407.32 | $390.00 | $2,016.57 | $292,211.39 |
| Sep, 2024 | 29 | $1,217.55 | $409.02 | $390.00 | $2,016.57 | $291,802.37 |
| Oct, 2024 | 30 | $1,215.84 | $410.73 | $390.00 | $2,016.57 | $291,391.64 |
| Nov, 2024 | 31 | $1,214.13 | $412.44 | $390.00 | $2,016.57 | $290,979.20 |
| Dec, 2024 | 32 | $1,212.41 | $414.16 | $390.00 | $2,016.57 | $290,565.05 |
| Jan, 2025 | 33 | $1,210.69 | $415.88 | $390.00 | $2,016.57 | $290,149.16 |
| Feb, 2025 | 34 | $1,208.95 | $417.61 | $390.00 | $2,016.57 | $289,731.55 |
| Mar, 2025 | 35 | $1,207.21 | $419.35 | $390.00 | $2,016.57 | $289,312.19 |
| Apr, 2025 | 36 | $1,205.47 | $421.10 | $390.00 | $2,016.57 | $288,891.09 |
| May, 2025 | 37 | $1,203.71 | $422.86 | $390.00 | $2,016.57 | $288,468.24 |
| Jun, 2025 | 38 | $1,201.95 | $424.62 | $390.00 | $2,016.57 | $288,043.62 |
| Jul, 2025 | 39 | $1,200.18 | $426.39 | $390.00 | $2,016.57 | $287,617.23 |
| Aug, 2025 | 40 | $1,198.41 | $428.16 | $390.00 | $2,016.57 | $287,189.06 |
| Sep, 2025 | 41 | $1,196.62 | $429.95 | $390.00 | $2,016.57 | $286,759.12 |
| Oct, 2025 | 42 | $1,194.83 | $431.74 | $390.00 | $2,016.57 | $286,327.38 |
| Nov, 2025 | 43 | $1,193.03 | $433.54 | $390.00 | $2,016.57 | $285,893.84 |
| Dec, 2025 | 44 | $1,191.22 | $435.35 | $390.00 | $2,016.57 | $285,458.49 |
| Jan, 2026 | 45 | $1,189.41 | $437.16 | $390.00 | $2,016.57 | $285,021.33 |
| Feb, 2026 | 46 | $1,187.59 | $438.98 | $390.00 | $2,016.57 | $284,582.35 |
| Mar, 2026 | 47 | $1,185.76 | $440.81 | $390.00 | $2,016.57 | $284,141.54 |
| Apr, 2026 | 48 | $1,183.92 | $442.65 | $390.00 | $2,016.57 | $283,698.90 |
| May, 2026 | 49 | $1,182.08 | $444.49 | $390.00 | $2,016.57 | $283,254.41 |
| Jun, 2026 | 50 | $1,180.23 | $446.34 | $390.00 | $2,016.57 | $282,808.06 |
| Jul, 2026 | 51 | $1,178.37 | $448.20 | $390.00 | $2,016.57 | $282,359.86 |
| Aug, 2026 | 52 | $1,176.50 | $450.07 | $390.00 | $2,016.57 | $281,909.79 |
| Sep, 2026 | 53 | $1,174.62 | $451.95 | $390.00 | $2,016.57 | $281,457.84 |
| Oct, 2026 | 54 | $1,172.74 | $453.83 | $390.00 | $2,016.57 | $281,004.02 |
| Nov, 2026 | 55 | $1,170.85 | $455.72 | $390.00 | $2,016.57 | $280,548.30 |
| Dec, 2026 | 56 | $1,168.95 | $457.62 | $390.00 | $2,016.57 | $280,090.68 |
| Jan, 2027 | 57 | $1,167.04 | $459.53 | $390.00 | $2,016.57 | $279,631.15 |
| Feb, 2027 | 58 | $1,165.13 | $461.44 | $390.00 | $2,016.57 | $279,169.71 |
| Mar, 2027 | 59 | $1,163.21 | $463.36 | $390.00 | $2,016.57 | $278,706.35 |
| Apr, 2027 | 60 | $1,161.28 | $465.29 | $390.00 | $2,016.57 | $278,241.06 |
| May, 2027 | 61 | $1,159.34 | $467.23 | $390.00 | $2,016.57 | $277,773.83 |
| Jun, 2027 | 62 | $1,157.39 | $469.18 | $390.00 | $2,016.57 | $277,304.65 |
| Jul, 2027 | 63 | $1,155.44 | $471.13 | $390.00 | $2,016.57 | $276,833.51 |
| Aug, 2027 | 64 | $1,153.47 | $473.10 | $390.00 | $2,016.57 | $276,360.42 |
| Sep, 2027 | 65 | $1,151.50 | $475.07 | $390.00 | $2,016.57 | $275,885.35 |
| Oct, 2027 | 66 | $1,149.52 | $477.05 | $390.00 | $2,016.57 | $275,408.30 |
| Nov, 2027 | 67 | $1,147.53 | $479.03 | $390.00 | $2,016.57 | $274,929.27 |
| Dec, 2027 | 68 | $1,145.54 | $481.03 | $390.00 | $2,016.57 | $274,448.24 |
| Jan, 2028 | 69 | $1,143.53 | $483.04 | $390.00 | $2,016.57 | $273,965.20 |
| Feb, 2028 | 70 | $1,141.52 | $485.05 | $390.00 | $2,016.57 | $273,480.15 |
| Mar, 2028 | 71 | $1,139.50 | $487.07 | $390.00 | $2,016.57 | $272,993.09 |
| Apr, 2028 | 72 | $1,137.47 | $489.10 | $390.00 | $2,016.57 | $272,503.99 |
| May, 2028 | 73 | $1,135.43 | $491.14 | $390.00 | $2,016.57 | $272,012.85 |
| Jun, 2028 | 74 | $1,133.39 | $493.18 | $390.00 | $2,016.57 | $271,519.67 |
| Jul, 2028 | 75 | $1,131.33 | $495.24 | $390.00 | $2,016.57 | $271,024.43 |
| Aug, 2028 | 76 | $1,129.27 | $497.30 | $390.00 | $2,016.57 | $270,527.13 |
| Sep, 2028 | 77 | $1,127.20 | $499.37 | $390.00 | $2,016.57 | $270,027.76 |
| Oct, 2028 | 78 | $1,125.12 | $501.45 | $390.00 | $2,016.57 | $269,526.30 |
| Nov, 2028 | 79 | $1,123.03 | $503.54 | $390.00 | $2,016.57 | $269,022.76 |
| Dec, 2028 | 80 | $1,120.93 | $505.64 | $390.00 | $2,016.57 | $268,517.12 |
| Jan, 2029 | 81 | $1,118.82 | $507.75 | $390.00 | $2,016.57 | $268,009.37 |
| Feb, 2029 | 82 | $1,116.71 | $509.86 | $390.00 | $2,016.57 | $267,499.51 |
| Mar, 2029 | 83 | $1,114.58 | $511.99 | $390.00 | $2,016.57 | $266,987.52 |
| Apr, 2029 | 84 | $1,112.45 | $514.12 | $390.00 | $2,016.57 | $266,473.40 |
| May, 2029 | 85 | $1,110.31 | $516.26 | $390.00 | $2,016.57 | $265,957.13 |
| Jun, 2029 | 86 | $1,108.15 | $518.41 | $390.00 | $2,016.57 | $265,438.72 |
| Jul, 2029 | 87 | $1,105.99 | $520.57 | $390.00 | $2,016.57 | $264,918.14 |
| Aug, 2029 | 88 | $1,103.83 | $522.74 | $390.00 | $2,016.57 | $264,395.40 |
| Sep, 2029 | 89 | $1,101.65 | $524.92 | $390.00 | $2,016.57 | $263,870.48 |
| Oct, 2029 | 90 | $1,099.46 | $527.11 | $390.00 | $2,016.57 | $263,343.37 |
| Nov, 2029 | 91 | $1,097.26 | $529.31 | $390.00 | $2,016.57 | $262,814.06 |
| Dec, 2029 | 92 | $1,095.06 | $531.51 | $390.00 | $2,016.57 | $262,282.55 |
| Jan, 2030 | 93 | $1,092.84 | $533.73 | $390.00 | $2,016.57 | $261,748.83 |
| Feb, 2030 | 94 | $1,090.62 | $535.95 | $390.00 | $2,016.57 | $261,212.88 |
| Mar, 2030 | 95 | $1,088.39 | $538.18 | $390.00 | $2,016.57 | $260,674.69 |
| Apr, 2030 | 96 | $1,086.14 | $540.42 | $390.00 | $2,016.57 | $260,134.27 |
| May, 2030 | 97 | $1,083.89 | $542.68 | $390.00 | $2,016.57 | $259,591.59 |
| Jun, 2030 | 98 | $1,081.63 | $544.94 | $390.00 | $2,016.57 | $259,046.65 |
| Jul, 2030 | 99 | $1,079.36 | $547.21 | $390.00 | $2,016.57 | $258,499.45 |
| Aug, 2030 | 100 | $1,077.08 | $549.49 | $390.00 | $2,016.57 | $257,949.96 |
| Sep, 2030 | 101 | $1,074.79 | $551.78 | $390.00 | $2,016.57 | $257,398.18 |
| Oct, 2030 | 102 | $1,072.49 | $554.08 | $390.00 | $2,016.57 | $256,844.10 |
| Nov, 2030 | 103 | $1,070.18 | $556.39 | $390.00 | $2,016.57 | $256,287.72 |
| Dec, 2030 | 104 | $1,067.87 | $558.70 | $390.00 | $2,016.57 | $255,729.01 |
| Jan, 2031 | 105 | $1,065.54 | $561.03 | $390.00 | $2,016.57 | $255,167.98 |
| Feb, 2031 | 106 | $1,063.20 | $563.37 | $390.00 | $2,016.57 | $254,604.61 |
| Mar, 2031 | 107 | $1,060.85 | $565.72 | $390.00 | $2,016.57 | $254,038.89 |
| Apr, 2031 | 108 | $1,058.50 | $568.07 | $390.00 | $2,016.57 | $253,470.82 |
| May, 2031 | 109 | $1,056.13 | $570.44 | $390.00 | $2,016.57 | $252,900.38 |
| Jun, 2031 | 110 | $1,053.75 | $572.82 | $390.00 | $2,016.57 | $252,327.56 |
| Jul, 2031 | 111 | $1,051.36 | $575.20 | $390.00 | $2,016.57 | $251,752.36 |
| Aug, 2031 | 112 | $1,048.97 | $577.60 | $390.00 | $2,016.57 | $251,174.75 |
| Sep, 2031 | 113 | $1,046.56 | $580.01 | $390.00 | $2,016.57 | $250,594.75 |
| Oct, 2031 | 114 | $1,044.14 | $582.42 | $390.00 | $2,016.57 | $250,012.32 |
| Nov, 2031 | 115 | $1,041.72 | $584.85 | $390.00 | $2,016.57 | $249,427.47 |
| Dec, 2031 | 116 | $1,039.28 | $587.29 | $390.00 | $2,016.57 | $248,840.18 |
| Jan, 2032 | 117 | $1,036.83 | $589.74 | $390.00 | $2,016.57 | $248,250.45 |
| Feb, 2032 | 118 | $1,034.38 | $592.19 | $390.00 | $2,016.57 | $247,658.25 |
| Mar, 2032 | 119 | $1,031.91 | $594.66 | $390.00 | $2,016.57 | $247,063.59 |
| Apr, 2032 | 120 | $1,029.43 | $597.14 | $390.00 | $2,016.57 | $246,466.46 |
| May, 2032 | 121 | $1,026.94 | $599.63 | $390.00 | $2,016.57 | $245,866.83 |
| Jun, 2032 | 122 | $1,024.45 | $602.12 | $390.00 | $2,016.57 | $245,264.71 |
| Jul, 2032 | 123 | $1,021.94 | $604.63 | $390.00 | $2,016.57 | $244,660.07 |
| Aug, 2032 | 124 | $1,019.42 | $607.15 | $390.00 | $2,016.57 | $244,052.92 |
| Sep, 2032 | 125 | $1,016.89 | $609.68 | $390.00 | $2,016.57 | $243,443.24 |
| Oct, 2032 | 126 | $1,014.35 | $612.22 | $390.00 | $2,016.57 | $242,831.01 |
| Nov, 2032 | 127 | $1,011.80 | $614.77 | $390.00 | $2,016.57 | $242,216.24 |
| Dec, 2032 | 128 | $1,009.23 | $617.34 | $390.00 | $2,016.57 | $241,598.91 |
| Jan, 2033 | 129 | $1,006.66 | $619.91 | $390.00 | $2,016.57 | $240,979.00 |
| Feb, 2033 | 130 | $1,004.08 | $622.49 | $390.00 | $2,016.57 | $240,356.51 |
| Mar, 2033 | 131 | $1,001.49 | $625.08 | $390.00 | $2,016.57 | $239,731.42 |
| Apr, 2033 | 132 | $998.88 | $627.69 | $390.00 | $2,016.57 | $239,103.73 |
| May, 2033 | 133 | $996.27 | $630.30 | $390.00 | $2,016.57 | $238,473.43 |
| Jun, 2033 | 134 | $993.64 | $632.93 | $390.00 | $2,016.57 | $237,840.50 |
| Jul, 2033 | 135 | $991.00 | $635.57 | $390.00 | $2,016.57 | $237,204.93 |
| Aug, 2033 | 136 | $988.35 | $638.22 | $390.00 | $2,016.57 | $236,566.72 |
| Sep, 2033 | 137 | $985.69 | $640.87 | $390.00 | $2,016.57 | $235,925.84 |
| Oct, 2033 | 138 | $983.02 | $643.55 | $390.00 | $2,016.57 | $235,282.30 |
| Nov, 2033 | 139 | $980.34 | $646.23 | $390.00 | $2,016.57 | $234,636.07 |
| Dec, 2033 | 140 | $977.65 | $648.92 | $390.00 | $2,016.57 | $233,987.15 |
| Jan, 2034 | 141 | $974.95 | $651.62 | $390.00 | $2,016.57 | $233,335.53 |
| Feb, 2034 | 142 | $972.23 | $654.34 | $390.00 | $2,016.57 | $232,681.19 |
| Mar, 2034 | 143 | $969.50 | $657.06 | $390.00 | $2,016.57 | $232,024.13 |
| Apr, 2034 | 144 | $966.77 | $659.80 | $390.00 | $2,016.57 | $231,364.32 |
| May, 2034 | 145 | $964.02 | $662.55 | $390.00 | $2,016.57 | $230,701.77 |
| Jun, 2034 | 146 | $961.26 | $665.31 | $390.00 | $2,016.57 | $230,036.46 |
| Jul, 2034 | 147 | $958.49 | $668.08 | $390.00 | $2,016.57 | $229,368.38 |
| Aug, 2034 | 148 | $955.70 | $670.87 | $390.00 | $2,016.57 | $228,697.51 |
| Sep, 2034 | 149 | $952.91 | $673.66 | $390.00 | $2,016.57 | $228,023.84 |
| Oct, 2034 | 150 | $950.10 | $676.47 | $390.00 | $2,016.57 | $227,347.37 |
| Nov, 2034 | 151 | $947.28 | $679.29 | $390.00 | $2,016.57 | $226,668.09 |
| Dec, 2034 | 152 | $944.45 | $682.12 | $390.00 | $2,016.57 | $225,985.97 |
| Jan, 2035 | 153 | $941.61 | $684.96 | $390.00 | $2,016.57 | $225,301.01 |
| Feb, 2035 | 154 | $938.75 | $687.82 | $390.00 | $2,016.57 | $224,613.19 |
| Mar, 2035 | 155 | $935.89 | $690.68 | $390.00 | $2,016.57 | $223,922.51 |
| Apr, 2035 | 156 | $933.01 | $693.56 | $390.00 | $2,016.57 | $223,228.95 |
| May, 2035 | 157 | $930.12 | $696.45 | $390.00 | $2,016.57 | $222,532.50 |
| Jun, 2035 | 158 | $927.22 | $699.35 | $390.00 | $2,016.57 | $221,833.15 |
| Jul, 2035 | 159 | $924.30 | $702.26 | $390.00 | $2,016.57 | $221,130.89 |
| Aug, 2035 | 160 | $921.38 | $705.19 | $390.00 | $2,016.57 | $220,425.69 |
| Sep, 2035 | 161 | $918.44 | $708.13 | $390.00 | $2,016.57 | $219,717.57 |
| Oct, 2035 | 162 | $915.49 | $711.08 | $390.00 | $2,016.57 | $219,006.49 |
| Nov, 2035 | 163 | $912.53 | $714.04 | $390.00 | $2,016.57 | $218,292.44 |
| Dec, 2035 | 164 | $909.55 | $717.02 | $390.00 | $2,016.57 | $217,575.43 |
| Jan, 2036 | 165 | $906.56 | $720.01 | $390.00 | $2,016.57 | $216,855.42 |
| Feb, 2036 | 166 | $903.56 | $723.01 | $390.00 | $2,016.57 | $216,132.41 |
| Mar, 2036 | 167 | $900.55 | $726.02 | $390.00 | $2,016.57 | $215,406.40 |
| Apr, 2036 | 168 | $897.53 | $729.04 | $390.00 | $2,016.57 | $214,677.35 |
| May, 2036 | 169 | $894.49 | $732.08 | $390.00 | $2,016.57 | $213,945.27 |
| Jun, 2036 | 170 | $891.44 | $735.13 | $390.00 | $2,016.57 | $213,210.14 |
| Jul, 2036 | 171 | $888.38 | $738.19 | $390.00 | $2,016.57 | $212,471.95 |
| Aug, 2036 | 172 | $885.30 | $741.27 | $390.00 | $2,016.57 | $211,730.68 |
| Sep, 2036 | 173 | $882.21 | $744.36 | $390.00 | $2,016.57 | $210,986.32 |
| Oct, 2036 | 174 | $879.11 | $747.46 | $390.00 | $2,016.57 | $210,238.86 |
| Nov, 2036 | 175 | $876.00 | $750.57 | $390.00 | $2,016.57 | $209,488.29 |
| Dec, 2036 | 176 | $872.87 | $753.70 | $390.00 | $2,016.57 | $208,734.59 |
| Jan, 2037 | 177 | $869.73 | $756.84 | $390.00 | $2,016.57 | $207,977.74 |
| Feb, 2037 | 178 | $866.57 | $760.00 | $390.00 | $2,016.57 | $207,217.75 |
| Mar, 2037 | 179 | $863.41 | $763.16 | $390.00 | $2,016.57 | $206,454.59 |
| Apr, 2037 | 180 | $860.23 | $766.34 | $390.00 | $2,016.57 | $205,688.24 |
| May, 2037 | 181 | $857.03 | $769.54 | $390.00 | $2,016.57 | $204,918.71 |
| Jun, 2037 | 182 | $853.83 | $772.74 | $390.00 | $2,016.57 | $204,145.97 |
| Jul, 2037 | 183 | $850.61 | $775.96 | $390.00 | $2,016.57 | $203,370.01 |
| Aug, 2037 | 184 | $847.38 | $779.19 | $390.00 | $2,016.57 | $202,590.81 |
| Sep, 2037 | 185 | $844.13 | $782.44 | $390.00 | $2,016.57 | $201,808.37 |
| Oct, 2037 | 186 | $840.87 | $785.70 | $390.00 | $2,016.57 | $201,022.67 |
| Nov, 2037 | 187 | $837.59 | $788.98 | $390.00 | $2,016.57 | $200,233.69 |
| Dec, 2037 | 188 | $834.31 | $792.26 | $390.00 | $2,016.57 | $199,441.43 |
| Jan, 2038 | 189 | $831.01 | $795.56 | $390.00 | $2,016.57 | $198,645.87 |
| Feb, 2038 | 190 | $827.69 | $798.88 | $390.00 | $2,016.57 | $197,846.99 |
| Mar, 2038 | 191 | $824.36 | $802.21 | $390.00 | $2,016.57 | $197,044.78 |
| Apr, 2038 | 192 | $821.02 | $805.55 | $390.00 | $2,016.57 | $196,239.23 |
| May, 2038 | 193 | $817.66 | $808.91 | $390.00 | $2,016.57 | $195,430.33 |
| Jun, 2038 | 194 | $814.29 | $812.28 | $390.00 | $2,016.57 | $194,618.05 |
| Jul, 2038 | 195 | $810.91 | $815.66 | $390.00 | $2,016.57 | $193,802.39 |
| Aug, 2038 | 196 | $807.51 | $819.06 | $390.00 | $2,016.57 | $192,983.33 |
| Sep, 2038 | 197 | $804.10 | $822.47 | $390.00 | $2,016.57 | $192,160.86 |
| Oct, 2038 | 198 | $800.67 | $825.90 | $390.00 | $2,016.57 | $191,334.96 |
| Nov, 2038 | 199 | $797.23 | $829.34 | $390.00 | $2,016.57 | $190,505.62 |
| Dec, 2038 | 200 | $793.77 | $832.80 | $390.00 | $2,016.57 | $189,672.82 |
| Jan, 2039 | 201 | $790.30 | $836.27 | $390.00 | $2,016.57 | $188,836.55 |
| Feb, 2039 | 202 | $786.82 | $839.75 | $390.00 | $2,016.57 | $187,996.80 |
| Mar, 2039 | 203 | $783.32 | $843.25 | $390.00 | $2,016.57 | $187,153.55 |
| Apr, 2039 | 204 | $779.81 | $846.76 | $390.00 | $2,016.57 | $186,306.79 |
| May, 2039 | 205 | $776.28 | $850.29 | $390.00 | $2,016.57 | $185,456.50 |
| Jun, 2039 | 206 | $772.74 | $853.83 | $390.00 | $2,016.57 | $184,602.67 |
| Jul, 2039 | 207 | $769.18 | $857.39 | $390.00 | $2,016.57 | $183,745.27 |
| Aug, 2039 | 208 | $765.61 | $860.96 | $390.00 | $2,016.57 | $182,884.31 |
| Sep, 2039 | 209 | $762.02 | $864.55 | $390.00 | $2,016.57 | $182,019.76 |
| Oct, 2039 | 210 | $758.42 | $868.15 | $390.00 | $2,016.57 | $181,151.60 |
| Nov, 2039 | 211 | $754.80 | $871.77 | $390.00 | $2,016.57 | $180,279.83 |
| Dec, 2039 | 212 | $751.17 | $875.40 | $390.00 | $2,016.57 | $179,404.43 |
| Jan, 2040 | 213 | $747.52 | $879.05 | $390.00 | $2,016.57 | $178,525.38 |
| Feb, 2040 | 214 | $743.86 | $882.71 | $390.00 | $2,016.57 | $177,642.67 |
| Mar, 2040 | 215 | $740.18 | $886.39 | $390.00 | $2,016.57 | $176,756.27 |
| Apr, 2040 | 216 | $736.48 | $890.09 | $390.00 | $2,016.57 | $175,866.19 |
| May, 2040 | 217 | $732.78 | $893.79 | $390.00 | $2,016.57 | $174,972.39 |
| Jun, 2040 | 218 | $729.05 | $897.52 | $390.00 | $2,016.57 | $174,074.88 |
| Jul, 2040 | 219 | $725.31 | $901.26 | $390.00 | $2,016.57 | $173,173.62 |
| Aug, 2040 | 220 | $721.56 | $905.01 | $390.00 | $2,016.57 | $172,268.61 |
| Sep, 2040 | 221 | $717.79 | $908.78 | $390.00 | $2,016.57 | $171,359.82 |
| Oct, 2040 | 222 | $714.00 | $912.57 | $390.00 | $2,016.57 | $170,447.25 |
| Nov, 2040 | 223 | $710.20 | $916.37 | $390.00 | $2,016.57 | $169,530.88 |
| Dec, 2040 | 224 | $706.38 | $920.19 | $390.00 | $2,016.57 | $168,610.69 |
| Jan, 2041 | 225 | $702.54 | $924.02 | $390.00 | $2,016.57 | $167,686.66 |
| Feb, 2041 | 226 | $698.69 | $927.88 | $390.00 | $2,016.57 | $166,758.79 |
| Mar, 2041 | 227 | $694.83 | $931.74 | $390.00 | $2,016.57 | $165,827.05 |
| Apr, 2041 | 228 | $690.95 | $935.62 | $390.00 | $2,016.57 | $164,891.42 |
| May, 2041 | 229 | $687.05 | $939.52 | $390.00 | $2,016.57 | $163,951.90 |
| Jun, 2041 | 230 | $683.13 | $943.44 | $390.00 | $2,016.57 | $163,008.47 |
| Jul, 2041 | 231 | $679.20 | $947.37 | $390.00 | $2,016.57 | $162,061.10 |
| Aug, 2041 | 232 | $675.25 | $951.31 | $390.00 | $2,016.57 | $161,109.78 |
| Sep, 2041 | 233 | $671.29 | $955.28 | $390.00 | $2,016.57 | $160,154.50 |
| Oct, 2041 | 234 | $667.31 | $959.26 | $390.00 | $2,016.57 | $159,195.25 |
| Nov, 2041 | 235 | $663.31 | $963.26 | $390.00 | $2,016.57 | $158,231.99 |
| Dec, 2041 | 236 | $659.30 | $967.27 | $390.00 | $2,016.57 | $157,264.72 |
| Jan, 2042 | 237 | $655.27 | $971.30 | $390.00 | $2,016.57 | $156,293.42 |
| Feb, 2042 | 238 | $651.22 | $975.35 | $390.00 | $2,016.57 | $155,318.07 |
| Mar, 2042 | 239 | $647.16 | $979.41 | $390.00 | $2,016.57 | $154,338.66 |
| Apr, 2042 | 240 | $643.08 | $983.49 | $390.00 | $2,016.57 | $153,355.17 |
| May, 2042 | 241 | $638.98 | $987.59 | $390.00 | $2,016.57 | $152,367.58 |
| Jun, 2042 | 242 | $634.86 | $991.70 | $390.00 | $2,016.57 | $151,375.88 |
| Jul, 2042 | 243 | $630.73 | $995.84 | $390.00 | $2,016.57 | $150,380.04 |
| Aug, 2042 | 244 | $626.58 | $999.99 | $390.00 | $2,016.57 | $149,380.05 |
| Sep, 2042 | 245 | $622.42 | $1,004.15 | $390.00 | $2,016.57 | $148,375.90 |
| Oct, 2042 | 246 | $618.23 | $1,008.34 | $390.00 | $2,016.57 | $147,367.56 |
| Nov, 2042 | 247 | $614.03 | $1,012.54 | $390.00 | $2,016.57 | $146,355.03 |
| Dec, 2042 | 248 | $609.81 | $1,016.76 | $390.00 | $2,016.57 | $145,338.27 |
| Jan, 2043 | 249 | $605.58 | $1,020.99 | $390.00 | $2,016.57 | $144,317.28 |
| Feb, 2043 | 250 | $601.32 | $1,025.25 | $390.00 | $2,016.57 | $143,292.03 |
| Mar, 2043 | 251 | $597.05 | $1,029.52 | $390.00 | $2,016.57 | $142,262.51 |
| Apr, 2043 | 252 | $592.76 | $1,033.81 | $390.00 | $2,016.57 | $141,228.70 |
| May, 2043 | 253 | $588.45 | $1,038.12 | $390.00 | $2,016.57 | $140,190.58 |
| Jun, 2043 | 254 | $584.13 | $1,042.44 | $390.00 | $2,016.57 | $139,148.14 |
| Jul, 2043 | 255 | $579.78 | $1,046.79 | $390.00 | $2,016.57 | $138,101.36 |
| Aug, 2043 | 256 | $575.42 | $1,051.15 | $390.00 | $2,016.57 | $137,050.21 |
| Sep, 2043 | 257 | $571.04 | $1,055.53 | $390.00 | $2,016.57 | $135,994.68 |
| Oct, 2043 | 258 | $566.64 | $1,059.93 | $390.00 | $2,016.57 | $134,934.76 |
| Nov, 2043 | 259 | $562.23 | $1,064.34 | $390.00 | $2,016.57 | $133,870.42 |
| Dec, 2043 | 260 | $557.79 | $1,068.78 | $390.00 | $2,016.57 | $132,801.64 |
| Jan, 2044 | 261 | $553.34 | $1,073.23 | $390.00 | $2,016.57 | $131,728.41 |
| Feb, 2044 | 262 | $548.87 | $1,077.70 | $390.00 | $2,016.57 | $130,650.71 |
| Mar, 2044 | 263 | $544.38 | $1,082.19 | $390.00 | $2,016.57 | $129,568.52 |
| Apr, 2044 | 264 | $539.87 | $1,086.70 | $390.00 | $2,016.57 | $128,481.82 |
| May, 2044 | 265 | $535.34 | $1,091.23 | $390.00 | $2,016.57 | $127,390.59 |
| Jun, 2044 | 266 | $530.79 | $1,095.78 | $390.00 | $2,016.57 | $126,294.81 |
| Jul, 2044 | 267 | $526.23 | $1,100.34 | $390.00 | $2,016.57 | $125,194.47 |
| Aug, 2044 | 268 | $521.64 | $1,104.93 | $390.00 | $2,016.57 | $124,089.55 |
| Sep, 2044 | 269 | $517.04 | $1,109.53 | $390.00 | $2,016.57 | $122,980.02 |
| Oct, 2044 | 270 | $512.42 | $1,114.15 | $390.00 | $2,016.57 | $121,865.86 |
| Nov, 2044 | 271 | $507.77 | $1,118.80 | $390.00 | $2,016.57 | $120,747.07 |
| Dec, 2044 | 272 | $503.11 | $1,123.46 | $390.00 | $2,016.57 | $119,623.61 |
| Jan, 2045 | 273 | $498.43 | $1,128.14 | $390.00 | $2,016.57 | $118,495.47 |
| Feb, 2045 | 274 | $493.73 | $1,132.84 | $390.00 | $2,016.57 | $117,362.63 |
| Mar, 2045 | 275 | $489.01 | $1,137.56 | $390.00 | $2,016.57 | $116,225.08 |
| Apr, 2045 | 276 | $484.27 | $1,142.30 | $390.00 | $2,016.57 | $115,082.78 |
| May, 2045 | 277 | $479.51 | $1,147.06 | $390.00 | $2,016.57 | $113,935.72 |
| Jun, 2045 | 278 | $474.73 | $1,151.84 | $390.00 | $2,016.57 | $112,783.88 |
| Jul, 2045 | 279 | $469.93 | $1,156.64 | $390.00 | $2,016.57 | $111,627.25 |
| Aug, 2045 | 280 | $465.11 | $1,161.46 | $390.00 | $2,016.57 | $110,465.79 |
| Sep, 2045 | 281 | $460.27 | $1,166.30 | $390.00 | $2,016.57 | $109,299.49 |
| Oct, 2045 | 282 | $455.41 | $1,171.15 | $390.00 | $2,016.57 | $108,128.34 |
| Nov, 2045 | 283 | $450.53 | $1,176.03 | $390.00 | $2,016.57 | $106,952.30 |
| Dec, 2045 | 284 | $445.63 | $1,180.93 | $390.00 | $2,016.57 | $105,771.37 |
| Jan, 2046 | 285 | $440.71 | $1,185.86 | $390.00 | $2,016.57 | $104,585.51 |
| Feb, 2046 | 286 | $435.77 | $1,190.80 | $390.00 | $2,016.57 | $103,394.72 |
| Mar, 2046 | 287 | $430.81 | $1,195.76 | $390.00 | $2,016.57 | $102,198.96 |
| Apr, 2046 | 288 | $425.83 | $1,200.74 | $390.00 | $2,016.57 | $100,998.22 |
| May, 2046 | 289 | $420.83 | $1,205.74 | $390.00 | $2,016.57 | $99,792.48 |
| Jun, 2046 | 290 | $415.80 | $1,210.77 | $390.00 | $2,016.57 | $98,581.71 |
| Jul, 2046 | 291 | $410.76 | $1,215.81 | $390.00 | $2,016.57 | $97,365.90 |
| Aug, 2046 | 292 | $405.69 | $1,220.88 | $390.00 | $2,016.57 | $96,145.02 |
| Sep, 2046 | 293 | $400.60 | $1,225.97 | $390.00 | $2,016.57 | $94,919.05 |
| Oct, 2046 | 294 | $395.50 | $1,231.07 | $390.00 | $2,016.57 | $93,687.98 |
| Nov, 2046 | 295 | $390.37 | $1,236.20 | $390.00 | $2,016.57 | $92,451.78 |
| Dec, 2046 | 296 | $385.22 | $1,241.35 | $390.00 | $2,016.57 | $91,210.42 |
| Jan, 2047 | 297 | $380.04 | $1,246.53 | $390.00 | $2,016.57 | $89,963.90 |
| Feb, 2047 | 298 | $374.85 | $1,251.72 | $390.00 | $2,016.57 | $88,712.18 |
| Mar, 2047 | 299 | $369.63 | $1,256.94 | $390.00 | $2,016.57 | $87,455.24 |
| Apr, 2047 | 300 | $364.40 | $1,262.17 | $390.00 | $2,016.57 | $86,193.07 |
| May, 2047 | 301 | $359.14 | $1,267.43 | $390.00 | $2,016.57 | $84,925.64 |
| Jun, 2047 | 302 | $353.86 | $1,272.71 | $390.00 | $2,016.57 | $83,652.92 |
| Jul, 2047 | 303 | $348.55 | $1,278.02 | $390.00 | $2,016.57 | $82,374.91 |
| Aug, 2047 | 304 | $343.23 | $1,283.34 | $390.00 | $2,016.57 | $81,091.57 |
| Sep, 2047 | 305 | $337.88 | $1,288.69 | $390.00 | $2,016.57 | $79,802.88 |
| Oct, 2047 | 306 | $332.51 | $1,294.06 | $390.00 | $2,016.57 | $78,508.82 |
| Nov, 2047 | 307 | $327.12 | $1,299.45 | $390.00 | $2,016.57 | $77,209.37 |
| Dec, 2047 | 308 | $321.71 | $1,304.86 | $390.00 | $2,016.57 | $75,904.51 |
| Jan, 2048 | 309 | $316.27 | $1,310.30 | $390.00 | $2,016.57 | $74,594.21 |
| Feb, 2048 | 310 | $310.81 | $1,315.76 | $390.00 | $2,016.57 | $73,278.45 |
| Mar, 2048 | 311 | $305.33 | $1,321.24 | $390.00 | $2,016.57 | $71,957.20 |
| Apr, 2048 | 312 | $299.82 | $1,326.75 | $390.00 | $2,016.57 | $70,630.46 |
| May, 2048 | 313 | $294.29 | $1,332.28 | $390.00 | $2,016.57 | $69,298.18 |
| Jun, 2048 | 314 | $288.74 | $1,337.83 | $390.00 | $2,016.57 | $67,960.35 |
| Jul, 2048 | 315 | $283.17 | $1,343.40 | $390.00 | $2,016.57 | $66,616.95 |
| Aug, 2048 | 316 | $277.57 | $1,349.00 | $390.00 | $2,016.57 | $65,267.95 |
| Sep, 2048 | 317 | $271.95 | $1,354.62 | $390.00 | $2,016.57 | $63,913.33 |
| Oct, 2048 | 318 | $266.31 | $1,360.26 | $390.00 | $2,016.57 | $62,553.07 |
| Nov, 2048 | 319 | $260.64 | $1,365.93 | $390.00 | $2,016.57 | $61,187.14 |
| Dec, 2048 | 320 | $254.95 | $1,371.62 | $390.00 | $2,016.57 | $59,815.51 |
| Jan, 2049 | 321 | $249.23 | $1,377.34 | $390.00 | $2,016.57 | $58,438.18 |
| Feb, 2049 | 322 | $243.49 | $1,383.08 | $390.00 | $2,016.57 | $57,055.10 |
| Mar, 2049 | 323 | $237.73 | $1,388.84 | $390.00 | $2,016.57 | $55,666.26 |
| Apr, 2049 | 324 | $231.94 | $1,394.63 | $390.00 | $2,016.57 | $54,271.63 |
| May, 2049 | 325 | $226.13 | $1,400.44 | $390.00 | $2,016.57 | $52,871.19 |
| Jun, 2049 | 326 | $220.30 | $1,406.27 | $390.00 | $2,016.57 | $51,464.92 |
| Jul, 2049 | 327 | $214.44 | $1,412.13 | $390.00 | $2,016.57 | $50,052.79 |
| Aug, 2049 | 328 | $208.55 | $1,418.02 | $390.00 | $2,016.57 | $48,634.77 |
| Sep, 2049 | 329 | $202.64 | $1,423.92 | $390.00 | $2,016.57 | $47,210.85 |
| Oct, 2049 | 330 | $196.71 | $1,429.86 | $390.00 | $2,016.57 | $45,780.99 |
| Nov, 2049 | 331 | $190.75 | $1,435.82 | $390.00 | $2,016.57 | $44,345.18 |
| Dec, 2049 | 332 | $184.77 | $1,441.80 | $390.00 | $2,016.57 | $42,903.38 |
| Jan, 2050 | 333 | $178.76 | $1,447.81 | $390.00 | $2,016.57 | $41,455.57 |
| Feb, 2050 | 334 | $172.73 | $1,453.84 | $390.00 | $2,016.57 | $40,001.73 |
| Mar, 2050 | 335 | $166.67 | $1,459.90 | $390.00 | $2,016.57 | $38,541.84 |
| Apr, 2050 | 336 | $160.59 | $1,465.98 | $390.00 | $2,016.57 | $37,075.86 |
| May, 2050 | 337 | $154.48 | $1,472.09 | $390.00 | $2,016.57 | $35,603.77 |
| Jun, 2050 | 338 | $148.35 | $1,478.22 | $390.00 | $2,016.57 | $34,125.55 |
| Jul, 2050 | 339 | $142.19 | $1,484.38 | $390.00 | $2,016.57 | $32,641.17 |
| Aug, 2050 | 340 | $136.00 | $1,490.56 | $390.00 | $2,016.57 | $31,150.61 |
| Sep, 2050 | 341 | $129.79 | $1,496.78 | $390.00 | $2,016.57 | $29,653.83 |
| Oct, 2050 | 342 | $123.56 | $1,503.01 | $390.00 | $2,016.57 | $28,150.82 |
| Nov, 2050 | 343 | $117.30 | $1,509.27 | $390.00 | $2,016.57 | $26,641.55 |
| Dec, 2050 | 344 | $111.01 | $1,515.56 | $390.00 | $2,016.57 | $25,125.98 |
| Jan, 2051 | 345 | $104.69 | $1,521.88 | $390.00 | $2,016.57 | $23,604.11 |
| Feb, 2051 | 346 | $98.35 | $1,528.22 | $390.00 | $2,016.57 | $22,075.89 |
| Mar, 2051 | 347 | $91.98 | $1,534.59 | $390.00 | $2,016.57 | $20,541.30 |
| Apr, 2051 | 348 | $85.59 | $1,540.98 | $390.00 | $2,016.57 | $19,000.32 |
| May, 2051 | 349 | $79.17 | $1,547.40 | $390.00 | $2,016.57 | $17,452.92 |
| Jun, 2051 | 350 | $72.72 | $1,553.85 | $390.00 | $2,016.57 | $15,899.07 |
| Jul, 2051 | 351 | $66.25 | $1,560.32 | $390.00 | $2,016.57 | $14,338.75 |
| Aug, 2051 | 352 | $59.74 | $1,566.82 | $390.00 | $2,016.57 | $12,771.92 |
| Sep, 2051 | 353 | $53.22 | $1,573.35 | $390.00 | $2,016.57 | $11,198.57 |
| Oct, 2051 | 354 | $46.66 | $1,579.91 | $390.00 | $2,016.57 | $9,618.66 |
| Nov, 2051 | 355 | $40.08 | $1,586.49 | $390.00 | $2,016.57 | $8,032.17 |
| Dec, 2051 | 356 | $33.47 | $1,593.10 | $390.00 | $2,016.57 | $6,439.07 |
| Jan, 2052 | 357 | $26.83 | $1,599.74 | $390.00 | $2,016.57 | $4,839.32 |
| Feb, 2052 | 358 | $20.16 | $1,606.41 | $390.00 | $2,016.57 | $3,232.92 |
| Mar, 2052 | 359 | $13.47 | $1,613.10 | $390.00 | $2,016.57 | $1,619.82 |
| Apr, 2052 | 360 | $6.75 | $1,619.82 | $390.00 | $2,016.57 | $0.00 |
Compare Monthly vs. Bi-weekly |
||||||
| Payment Frequency | Monthly | Bi-weekly | ||||
| Payments / Year | 12 | 26 | ||||
| Each Payment | $2,016.57 | $993.28 | ||||
| Total Extra Payments | $0.00 | $0.00 | ||||
| Total Interest | $282,565.03 | $230,558.20 | ||||
| Total Tax, Insurance, MI & Fees | $140,400.00 | $117,900.00 | ||||
| Total Payment | $725,965.03 | $651,458.20 | Total Savings | $0 | $74,506.82 | |
| Payoff Date | Apr, 2052 | Jul, 2047 | ||||
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What is a USDA Loan?
USDA home loan is a program backed by the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture for eligible home buyers with low to the average income in rural and suburban areas. The purpose of the USDA mortgage is to promote economic growth in rural areas across the United States. The USDA mortgages are issued by private lenders and offer many benefits over the traditional mortgage for qualified buyers.
- USDA loans offer zero down payment
- Reduced mortgage rates.
- Low monthly mortgage insurance
- Lower credit requirement
Please note the USDA mortgage is designed to help low income families, so if your income is high, then you are not qualified for a USDA loan. Specifically, the following are the main restrictions of the USDA loan.
- Must be in a rural and suburban area
- Single family house and for primary residence only
- Low income family - income is calculated by family size and the adjusted annual income must be lower than 115% of the area median income.
There may be other requirements set by the lender such as minimum credit score. Homebuyers should consult the private lenders to learn more about the program and the USDA loan.
USDA Loans Vs. Traditional Mortgages
In a traditional mortgage, lenders prefer the borrower to put down at least 20% on the down payment. If not, the borrower is required to pay private mortgage insurance or PMI to protect the lender in case the borrower defaults on the mortgage. The PMI payment is removed once the borrower has more than 20% of equity in the house, or when their loan to value (LTV) ratio falls below 80%. USDA loan does not require a minimum down payment, but there are two fees the borrower must pay. One is an upfront funding fee, and an annual fee which is similar to the PMI. The upfront fee is a fee that can be included in the loan.
USDA Loan Calculator
The USDA mortgage calculator is easy to use with breakdowns of every payment showing in the mortgage amortization schedule with monthly and biweekly payment options. The USDA PMI calculator also offers extra payment options that show you how much faster you can pay off the mortgage if you are making regular extra payments. The extra payment can be a one time payment, yearly, quarterly, or every payment (monthly or biweekly). This USDA payment calculator offers a downloadable and printable loan amortization schedule. This USDA home loan calculator with taxes and insurance gives you the option to add taxes and insurance for both the monthly payment and biweekly payment. You will also get a comparison table to compare the biweekly and monthly options and see how much you can save. The Mortgage calculator for USDA loans has an option to include the guarantee fee. For a conventional loan, there is an insurance called the private mortgage insurance or PMI when your down payment is less than 20%. For USDA mortgages, there is something similar to PMI called the USDA guarantee fee and USDA mortgage insurance. The one time USDA guarantee fee is currently 1% of your base mortgage amount, and your final mortgage amount is equal to the base mortgage amount plus the guarantee fee. The USDA mortgage insurance is 0.35% of the loan amount. The USDA payment calculator has the option to change the funding fees and insurance to reflect your mortgage. This is a USDA home loan calculator, check out our advanced mortgage calculator if you need to calculate mortgage payments for conventional loans.
USDA Mortgage Calculator with Taxes and Insurance
Following are the definitions and terms for the USDA loan calculator.
Home Value - the value of your property Down Payment - how much are you planning to put down as a down payment on the property Base Mortgage Amount - how much mortgage are you applying for. This is the difference between the home value and the down payment. Loan Terms - how many years are you planning to pay off your USDA loan. Interest Rate - how much interest will you be paying for the loan? This is a percent of the mortgage amount that you apply for. USDA Guarantee Fee - this is the upfront cost for the USDA loan, which is a fee that you can roll over to the mortgage. Annual Mortgage Insurance - this is the second fee for a USDA loan, and is an annual fee. Final Mortgage Amount - your base mortgage plus the USDA guarantee fee equals the final mortgage amount. Property Tax (Yearly) - how much property tax will you be paying for the house. Home Insurance (Yearly) - how much insurance do you need to pay for the property. HOA Fees (Monthly) - some houses are required to pay monthly HOA fees or the homeowner's associations fee. Payment Frequency - you have the option to choose the default monthly payment or bi-weekly payment to speed up your mortgage payments and pay off your loan faster. First Payment Date - the date that you first start paying your mortgage. Amortization Schedule - show the amortization by yearly or monthly. In the case of bi-weekly payment, you will see the amortization schedule bi-weekly and yearly. Extra Payment - If you are planning to make an extra payment for your USDA mortgage, you can choose an one time extra payment, or a recurring monthly, biweekly, quarterly or yearly payment.
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