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 factors in the two fees unique to USDA financing — the 1.00% upfront guarantee fee (financed into the loan) and the 0.35% annual fee spread across your monthly payments.

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 to estimate your monthly payment, including the USDA guarantee fees most calculators leave out.

Home Price

Down Payment (optional)

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

Interest Rate

30-year fixed. For estimating only — not a rate quote.

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 zero-down USDA loan is within reach for your address and income.

Take the Qualifier Quiz Call (480) 420-4918

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.