Monthly Cost Estimate
An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.
Loan Program
Choose a loan type to see how it changes the estimate.
Down payment (0% of price): $0
$14,768/moest.
0% down -- about $3,014 more per month than 20% down conventional.
- Principal & Interest 81%
- Property Taxes 3%
- Insurance 10%
- HOA 2%
- USDA Fee 4%
The USDA annual fee continues for the life of the loan.
Included in your loan amount
30-year fixed at 7.164%, as of November 10, 2026
Assumptions
USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.
Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.
Down payment: 0% of the list price. PMI is included when the down payment is below 20%.
Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.
Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.
HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.
Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.
This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.
