Finance Tools

USDA Farm Loan Amortization Calculator

Generate a USDA farm loan amortization schedule with monthly payment breakdown, total interest, and remaining balance over time.

This USDA farm loan amortization calculator creates a month-by-month schedule showing how each payment is split between principal and interest. It helps estimate long-term borrowing cost and cash flow for USDA/FSA-style farm loans.

USDA farm loan amount

Principal amount borrowed

Annual interest rate (APR %)

Example: 5 means 5% APR

Loan term (years)

Repayment period in years

How this calculator works

Monthly rate = APR ÷ 12
Total payments = years × 12
Each payment is split into interest + principal
Interest decreases as the remaining balance decreases

Assumptions & notes

Fixed APR (variable-rate loans will differ)
Principal + interest only (fees, escrow, insurance not included)
Program-specific rules (USDA/FSA) are not modeled here
Lender rounding may cause small differences

Frequently asked questions

Why is more interest paid early in the loan?
Interest is calculated on the remaining balance, which is highest in the early months.

Does USDA/FSA allow extra payments?
Many loans allow extra principal payments, which can reduce total interest. Check your loan agreement for prepayment rules.

Is this an official USDA schedule?
No. This is an independent estimate using standard amortization math. Always confirm with your lender’s disclosures.

How to use this usda farm loan amortization calculator

Enter the USDA farm loan amount.
Enter the annual interest rate (APR).
Enter the loan term in years.
Click calculate to view the amortization schedule and interest breakdown.

Example

For a USDA farm loan of $250,000 at 5% APR over 20 years, this calculator shows:

Estimated monthly payment.
Interest vs principal breakdown each month.
Remaining balance over time.
Total interest paid over the full term.

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