USDA Guarantee Fee (Upfront and Annual)
In the USDA Single-Family Housing Guaranteed Loan Program, fee structures are set administratively and can change by fiscal year for new commitments. For FY 2026, stated that an upfront guarantee fee and an annual fee apply to both purchase and refinance transactions under the program.
- Where it applies
- Federal
- When it comes up
- Origination; closing; servicing
- Property types
- Residential (USDA-guaranteed)
In practice
Because the annual fee is programmatic and tied to the guarantee, systems must model it separately from private mortgage insurance rules.
Related terms
loan guaranteeannual feeupfront feegovernment-guaranteed loan
Residential Financing
- Accrual Rate
- Adjustable Rate Mortgage (ARM)
- Amortization
- Application (TRID application)
- Conforming Loan Limit
- Pay Rate
- PMI Automatic Termination
- PMI Cancellation (Borrower-Requested)
- Private Mortgage Insurance (PMI)
- Secured Overnight Financing Rate (SOFR)
General information, not legal, tax or financial advice.