Free USDA Loan Tools

Tools to Guide Your USDA Loan Journey

Use our free calculators and eligibility checkers to understand your options before you apply — no sign-up required.

Property

Property Eligibility Checker

Enter your state and county to get a general read on whether that area typically qualifies for USDA rural development financing.

Check Eligibility

Income

USDA Income Limits

See the household income thresholds for your county and family size to gauge whether you may qualify for a USDA guaranteed loan.

Estimate Limits

Payment

Monthly Payment Calculator

Estimate your monthly principal, interest, and USDA guarantee fee payment based on loan amount, term, and current rate assumptions.

Calculate Payment

All tools provide general educational estimates only. Results are not a commitment to lend and do not constitute financial advice. Verify all figures with a licensed USDA-approved lender.

Have Questions?

Our USDA construction specialists are ready to walk you through your numbers and next steps.

Talk to a Specialist