USDA Loan Closing Cost Calculator

Loan Details

$250,000
4.5%
Adjusts fee calculations based on year
Financed
Paid in Cash
USDA upfront guarantee fee can be financed into the loan or paid upfront

Closing Cost Details

Closing Cost Breakdown

$0
Total Estimated Closing Costs
USDA Upfront Guarantee Fee $2,500
Annual Fee (Monthly) $73
Origination Fee $2,500
Appraisal Fee $500
Inspection Fee $350
Title Insurance $1,200
Prepaid Taxes $1,500
Recording Fees $125
Credit Report $50
Total Closing Costs $8,798

About USDA Loan Closing Costs

USDA loans offer 100% financing but still have closing costs that typically range from 2% to 5% of the loan amount. The upfront guarantee fee is 1% of the loan amount, and the annual fee is 0.35% of the average scheduled unpaid principal balance.

Cash Needed
$0
Monthly Payment
$0
Total Loan Amount
$0
Cost to Loan %
0%

Navigating the financial requirements of a real estate transaction requires precise planning to avoid surprises at the settlement table. Military veterans can benefit from a specialized VA loan closing cost estimator to account for specific funding fees, while those purchasing property without traditional financing should utilize a closing cost tool for cash transactions to see how their expenses differ. Location is a major factor in these calculations; for instance, you can find regional data using a closing cost calculator for Oklahoma, an NC settlement fee estimator, or a Michigan real estate cost tool. Transactions in high-tax areas require even more detail, such as the specific math found in a closing cost calculator for Maryland or the complex mansion and transfer taxes analyzed by a NYC closing cost calculator. If you aren’t buying a new home but rather restructuring your current debt, a refinance closing cost calculator is vital for determining your break-even point. Ultimately, the best way to prepare is to use a comprehensive down payment and closing cost calculator to ensure you have enough total capital to successfully finalize your property deal.