Finance Tools

USDA Farm Loan Monthly Payment Estimator

Quickly estimate monthly payments for a USDA farm loan using loan amount, APR, and term. Includes a rate sensitivity range for nearby APR values.

A fast estimator for USDA/FSA-style farm loan monthly payments. Enter a loan amount, APR, and term to estimate principal + interest payments. Use the rate range table to see how payments change if APR shifts by about ±1%.

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 estimator works

Monthly rate = APR ÷ 12
Total payments = years × 12
Monthly payment uses a standard amortization formula
Total interest = total paid − principal

Assumptions & notes

Fixed APR (variable-rate loans may differ)
Principal + interest only (fees/taxes/insurance excluded)
Program fees, escrow, and eligibility rules are not modeled
Lender rounding may cause small differences

Frequently asked questions

Is this an official USDA or FSA tool?
No. It’s an independent estimator using standard loan math. Official program documents and lender disclosures may differ.

Why might my actual payment be different?
Fees, escrow, insurance, and program-specific terms can change the payment. This estimate is principal + interest only.

How can I reduce my monthly payment?
A longer term may reduce payment but usually increases total interest. A larger down payment reduces the amount financed.

How to use this usda farm loan monthly payment estimator

Enter the USDA farm loan amount.
Enter the annual interest rate (APR).
Enter the loan term in years.
Click estimate to see your monthly payment and a quick rate range.

Example

If you borrow $180,000 at 5% APR for 15 years, the estimator shows:

Estimated monthly payment (principal + interest).
Estimated total interest and total repayment.
A quick payment range if APR shifts by ±1%.

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