USDA · Renovation Purchase
USDA Renovation Loan Payment Calculator
Buy and renovate a USDA-eligible rural or suburban home with $0 down — costs rolled into one loan. Estimate your total project costs, maximum loan, full monthly payment with the guarantee fee, cash to close, and the income needed to qualify.
Built by Jim Blackburn · NMLS #1072866 · $500M+ closed · 7× Scotsman Guide Top Producer
Estimate with sold comps in the last 6 months.
$0 down for eligible USDA buyers (gift funds allowed).
Summary
Project Costs
Loan
Payment Breakdown
Cash to Close
Estimates only — not a commitment to lend.
By Jim Blackburn
Ready to Take Your First Step?
Skip the guesswork. Take our quick Discovery Quiz to uncover your top financial priorities, so we can guide you toward the wealth-building strategies that fit your life.
- Takes just 5 minutes
- Tailored results based on your answers
- No credit check required
Need a Pre-Approval Letter—Fast?
Buying a home soon? Complete our short form and we'll connect you with the loan options that fit your target property and financial situation—fast.
- Only 2 minutes to complete
- Quick turnaround on pre-approval
- No credit score impact
Got a Few Questions First?
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Schedule a CallImportant Disclaimer
This calculator is for illustrative purposes only and does not constitute financial, legal, or investment advice. Results are based on general assumptions and may not reflect actual performance or eligibility. This is not a loan estimate or approval. Please consult with a licensed mortgage advisor before making financial decisions.