Estimate a zero-down USDA rural home loan payment including the annual guarantee fee in California.
USDA rural loans finance 100% of a home with no down payment in California; the annual guarantee fee acts like mortgage insurance. Income and property-location limits apply.
Payment
Payment = amortized payment + guarantee fee
Estimate only — confirm eligibility with a USDA-approved lender.
You must meet income limits and buy in a USDA-eligible rural area; check the USDA eligibility map.
Rates are approximate reference values. Local rates, exemptions and rules can differ, so treat the output as a planning figure only.