Estimate your payment
Use the calculator below to estimate the monthly principal and interest payment on a usda loan. Adjust the loan amount, rate, and term to see how each one moves your payment.
Keep in mind that your full monthly payment also includes property taxes, homeowners insurance, and — depending on the program — mortgage insurance. For an exact, all-in payment quote based on today’s wholesale pricing, call (916) 624-0767 or start an application online.
Want an exact payment based on today's wholesale pricing? Talk to a licensed loan officer.
Estimates only. Mortgage insurance and HOA dues are not included. Your actual payment depends on your final rate, program, taxes, and insurance premiums.
Questions
A USDA loan is a $0-down mortgage backed by the U.S. Department of Agriculture for homes in eligible rural and suburban areas. Rates are often below conventional, and no down payment is required.
Eligibility is based on the property’s location — many suburban areas on the edges of metro regions qualify, not just farmland. We’ll run any address through the USDA eligibility map for you in minutes.
Yes. Household income generally can’t exceed 115% of the area median income for your county. We’ll verify your county’s limit and structure the application correctly.
USDA loans carry a 1% upfront guarantee fee (which can be financed) and a low 0.35% annual fee — significantly cheaper than FHA mortgage insurance in most cases.
About Us
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for every borrower.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.