{"id":109580,"date":"2025-02-24T09:11:12","date_gmt":"2025-02-24T09:11:12","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/"},"modified":"2025-02-24T09:11:12","modified_gmt":"2025-02-24T09:11:12","slug":"do-you-pay-pmi-on-a-usda-loan","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/","title":{"rendered":"Do you pay PMI on a USDA loan?"},"content":{"rendered":"<p>Do you pay PMI on a USDA loan?<\/p>\n<p>A USDA loan is a mortgage option offered by the United States Department of Agriculture (USDA) that is designed to help people in rural areas become homeowners. One of the major advantages of a USDA loan is that it does not require a down payment, which makes it an attractive option for many potential homeowners. However, there are often questions about whether or not borrowers are required to pay private mortgage insurance (PMI) on a USDA loan. So, let&#8217;s address this question directly.<\/p>\n<p>The good news is that USDA loans do not require borrowers to pay private mortgage insurance. Unlike conventional loans or FHA loans, which both involve PMI when the down payment is less than 20%, USDA loans do not have this additional cost. This is a significant advantage for homebuyers, as it can save them a substantial amount of money over the life of their loan.<\/p>\n<p>However, it&#8217;s important to note that USDA loans do have an upfront fee and an annual fee. The upfront fee is currently set at 1% of the loan amount, and it can be rolled into the loan itself. This means that borrowers do not have to pay this fee out of pocket at the time of closing. The annual fee, on the other hand, is calculated as a percentage of the loan amount and is paid on a monthly basis along with the mortgage payment. These fees are used to fund the USDA loan program and help keep it available for future homebuyers.<\/p>\n<p>Now, let&#8217;s address some frequently asked questions related to USDA loans and private mortgage insurance:<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/#1_Do_I_have_to_pay_private_mortgage_insurance_PMI_on_a_USDA_loan\" title=\"1. Do I have to pay private mortgage insurance (PMI) on a USDA loan?\">1. Do I have to pay private mortgage insurance (PMI) on a USDA loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/#2_Are_there_any_additional_fees_associated_with_USDA_loans\" title=\"2. Are there any additional fees associated with USDA loans?\">2. Are there any additional fees associated with USDA loans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/#3_Can_the_upfront_fee_be_rolled_into_the_loan_amount\" title=\"3. Can the upfront fee be rolled into the loan amount?\">3. Can the upfront fee be rolled into the loan amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/#4_How_is_the_annual_fee_calculated\" title=\"4. How is the annual fee calculated?\">4. How is the annual fee calculated?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/#5_Do_I_have_to_pay_the_annual_fee_for_the_entire_duration_of_the_loan\" title=\"5. Do I have to pay the annual fee for the entire duration of the loan?\">5. Do I have to pay the annual fee for the entire duration of the loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/#6_Are_USDA_loans_only_available_for_low-income_borrowers\" title=\"6. Are USDA loans only available for low-income borrowers?\">6. Are USDA loans only available for low-income borrowers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/#7_Can_I_use_a_USDA_loan_to_purchase_a_home_in_an_urban_area\" title=\"7. Can I use a USDA loan to purchase a home in an urban area?\">7. Can I use a USDA loan to purchase a home in an urban area?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/#8_Can_I_use_a_USDA_loan_to_purchase_a_second_home_or_investment_property\" title=\"8. Can I use a USDA loan to purchase a second home or investment property?\">8. Can I use a USDA loan to purchase a second home or investment property?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/#9_Are_USDA_loans_restricted_to_first-time_homebuyers\" title=\"9. Are USDA loans restricted to first-time homebuyers?\">9. Are USDA loans restricted to first-time homebuyers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/#10_Can_I_use_a_USDA_loan_to_build_a_new_home\" title=\"10. Can I use a USDA loan to build a new home?\">10. Can I use a USDA loan to build a new home?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/#11_Do_USDA_loans_have_any_credit_score_requirements\" title=\"11. Do USDA loans have any credit score requirements?\">11. Do USDA loans have any credit score requirements?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/#12_Can_I_refinance_my_existing_mortgage_into_a_USDA_loan\" title=\"12. Can I refinance my existing mortgage into a USDA loan?\">12. Can I refinance my existing mortgage into a USDA loan?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_Do_I_have_to_pay_private_mortgage_insurance_PMI_on_a_USDA_loan\"><\/span>1. Do I have to pay private mortgage insurance (PMI) on a USDA loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, USDA loans do not require borrowers to pay PMI.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Are_there_any_additional_fees_associated_with_USDA_loans\"><\/span>2. Are there any additional fees associated with USDA loans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, there is an upfront fee and an annual fee associated with USDA loans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Can_the_upfront_fee_be_rolled_into_the_loan_amount\"><\/span>3. Can the upfront fee be rolled into the loan amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, the upfront fee can be rolled into the loan, so borrowers do not need to pay it out of pocket at closing.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_is_the_annual_fee_calculated\"><\/span>4. How is the annual fee calculated?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe annual fee is calculated as a percentage of the loan amount and is paid on a monthly basis.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Do_I_have_to_pay_the_annual_fee_for_the_entire_duration_of_the_loan\"><\/span>5. Do I have to pay the annual fee for the entire duration of the loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe annual fee is paid for the life of the loan. However, it may be possible to refinance into a different loan program in the future to eliminate this fee.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Are_USDA_loans_only_available_for_low-income_borrowers\"><\/span>6. Are USDA loans only available for low-income borrowers?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nUSDA loans are designed to assist low to moderate-income borrowers, but there are income limits that borrowers must meet to be eligible.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_I_use_a_USDA_loan_to_purchase_a_home_in_an_urban_area\"><\/span>7. Can I use a USDA loan to purchase a home in an urban area?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, USDA loans are specifically intended for eligible rural areas as determined by the USDA.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_I_use_a_USDA_loan_to_purchase_a_second_home_or_investment_property\"><\/span>8. Can I use a USDA loan to purchase a second home or investment property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, USDA loans are only available for primary residences.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Are_USDA_loans_restricted_to_first-time_homebuyers\"><\/span>9. Are USDA loans restricted to first-time homebuyers?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, USDA loans are available to both first-time and repeat homebuyers.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_I_use_a_USDA_loan_to_build_a_new_home\"><\/span>10. Can I use a USDA loan to build a new home?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, USDA loans can be used for new construction as long as the property is located in an eligible rural area.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Do_USDA_loans_have_any_credit_score_requirements\"><\/span>11. Do USDA loans have any credit score requirements?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nUSDA loans do have minimum credit score requirements, typically set around 640 or higher.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_I_refinance_my_existing_mortgage_into_a_USDA_loan\"><\/span>12. Can I refinance my existing mortgage into a USDA loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, it is possible to refinance an existing mortgage into a USDA loan, provided you meet all the eligibility requirements.<\/p>\n<p>In conclusion, USDA loans offer an excellent opportunity for homebuyers in rural areas to achieve homeownership without the burden of private mortgage insurance. While there are upfront and annual fees associated with these loans, they are a small price to pay for the benefits they provide. If you meet the eligibility criteria and are interested in purchasing a home in a rural area, exploring USDA loans could be a wise decision.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you pay PMI on a USDA loan? A USDA loan is a mortgage option offered by the United States Department of Agriculture (USDA) that is designed to help people in rural areas become homeowners. One of the major advantages of a USDA loan is that it does not require a down payment, which makes &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Do you pay PMI on a USDA loan?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/#more-109580\">Read more<span class=\"screen-reader-text\">Do you pay PMI on a USDA loan?<\/span><\/a><\/p>\n","protected":false},"author":16,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-109580","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do you pay PMI on a USDA loan?<\/title>\n<meta name=\"description\" content=\"Do you pay PMI on a USDA loan? A USDA loan is a mortgage option offered by the United States Department of Agriculture (USDA) that is designed to help\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do you pay PMI on a USDA loan?\" \/>\n<meta property=\"og:description\" content=\"Do you pay PMI on a USDA loan? A USDA loan is a mortgage option offered by the United States Department of Agriculture (USDA) that is designed to help\" \/>\n<meta property=\"og:url\" content=\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/\" \/>\n<meta property=\"og:site_name\" content=\"Namso Gen Blog - Free Credit Card Generator [100% Valid]\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/synchronyfinancial\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-24T09:11:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/namso-gen.co\/blog\/wp-content\/uploads\/2024\/03\/faq.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Louise Bowen\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@synchrony\" \/>\n<meta name=\"twitter:site\" content=\"@synchrony\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Louise Bowen\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/\"},\"author\":{\"name\":\"Louise Bowen\",\"@id\":\"https:\/\/namso-gen.co\/blog\/#\/schema\/person\/0c6264064669af11aea2c06ed261997f\"},\"headline\":\"Do you pay PMI on a USDA loan?\",\"datePublished\":\"2025-02-24T09:11:12+00:00\",\"dateModified\":\"2025-02-24T09:11:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/\"},\"wordCount\":683,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/#organization\"},\"articleSection\":[\"Learn\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/\",\"url\":\"https:\/\/namso-gen.co\/blog\/do-you-pay-pmi-on-a-usda-loan\/\",\"name\":\"Do you pay PMI on a USDA loan?\",\"isPartOf\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/#website\"},\"datePublished\":\"2025-02-24T09:11:12+00:00\",\"dateModified\":\"2025-02-24T09:11:12+00:00\",\"description\":\"Do you pay PMI on a USDA loan? 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