At a 3.125% interest rate, the APR for this loan type is 3.697%. The monthly payment schedule would be:

  • 12 payments of $831.40 at an interest rate of 3.125%
  • 12 payments of $830.30 at an interest rate of 3.125%
  • 12 payments of $829.16 at an interest rate of 3.125%
  • 12 payments of $827.99 at an interest rate of 3.125%
  • 12 payments of $826.78 at an interest rate of 3.125%
  • 12 payments of $825.54 at an interest rate of 3.125%
  • 12 payments of $824.25 at an interest rate of 3.125%
  • 12 payments of $822.92 at an interest rate of 3.125%
  • 12 payments of $821.56 at an interest rate of 3.125%
  • 12 payments of $820.14 at an interest rate of 3.125%
  • 12 payments of $818.69 at an interest rate of 3.125%
  • 12 payments of $817.19 at an interest rate of 3.125%
  • 12 payments of $815.63 at an interest rate of 3.125%
  • 12 payments of $814.04 at an interest rate of 3.125%
  • 12 payments of $812.38 at an interest rate of 3.125%
  • 12 payments of $810.68 at an interest rate of 3.125%
  • 12 payments of $808.93 at an interest rate of 3.125%
  • 12 payments of $807.11 at an interest rate of 3.125%
  • 12 payments of $805.24 at an interest rate of 3.125%
  • 12 payments of $803.31 at an interest rate of 3.125%
  • 12 payments of $801.32 at an interest rate of 3.125%
  • 12 payments of $799.27 at an interest rate of 3.125%
  • 12 payments of $797.15 at an interest rate of 3.125%
  • 12 payments of $794.97 at an interest rate of 3.125%
  • 12 payments of $792.71 at an interest rate of 3.125%
  • 12 payments of $790.39 at an interest rate of 3.125%
  • 12 payments of $787.99 at an interest rate of 3.125%
  • 12 payments of $785.51 at an interest rate of 3.125%
  • 12 payments of $782.96 at an interest rate of 3.125%
  • 11 payments of $780.32 at an interest rate of 3.125%
  • 1 payment of $781.69 at an interest rate of 3.125%


This payment schedule is based on a $181,818 loan on a $240,000 property in Iron county, UT.

The monthly payment amounts quoted include the annual fee premium.

The annual fee is required for most USDA/Rural Housing loans. The monthly payment for the annual fee is calculated based on the average annual outstanding balance and will vary from year to year.

$778.86
$52.54
$831.40

The actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

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