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What Is a USDA Guarantee Fee and How Does It Work?

What Is a USDA Guarantee Fee and How Does It Work?

Learn what a USDA guarantee fee is, how it works, current rates, and how it affects your monthly mortgage payment in 2025.

Oct 28 • 9 min read
Guide to First-Time Home Buyer Grants

Guide to First-Time Home Buyer Grants

Discover first-time home buyer grants in 2025, how they work, who qualifies, and how they can lower your down payment and closing costs.

Oct 3 • 7 min read
How to Get a Mortgage Pre-Approval In 5 Easy Steps

How to Get a Mortgage Pre-Approval In 5 Easy Steps

Learn how to get a mortgage pre-approval in 5 easy steps. Discover the benefits, required documents, and when to apply before buying a home.

Nov 4 • 10 min read
What Is Underwriting in Real Estate?

What Is Underwriting in Real Estate?

Learn what underwriting in real estate means, how it works in mortgages, and why it’s critical for homebuyers and investors in 2025.

Sep 22 • 4 min read
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What's My Payment? (WMP) is not a mortgage lender, nor are we affiliated with any government agency, including FHA, VA, USDA, FANNIE MAE, or FREDDIE MAC. We do not originate mortgage loans. WMP provides information and mortgage payment calculations for a variety of loan types, both government (FHA, VA, USDA, etc.) and in general. While every effort is made to ensure the information we provide is accurate, all calculations and information provided throughout this website are for demonstration purposes only. This page may include affiliate links. We may get paid when you click on a link and buy a product, at no extra cost to you. Click here to learn more.

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Today's Average Rates

TIP • Click a rate to use it on the appropriate calculator. We round it to the nearest eighth.

30 Year Fixed Conforming6.317%30 Year Fixed Jumbo6.737%FHA 30 years fixed5.645%VA 30 years fixed5.702%USDA 30 Year Fixed5.743%View More Rates
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Author

Ryan Martinson

With over a decade of mortgage experience, I witnessed first-hand the frustrations homebuyers endure when shopping for a home. Using that expertise, I created What's My Payment to make buying easier.

Posts: 65

ryan's posts

Featured ImageMortgage news

$25,000 in Assistance for New Homebuyers Could Be Coming Soon

May 13, 2021·3 min read
Featured ImageMortgage news

President Biden approves $10 billion in mortgage relief. See who qualifies.

May 7, 2021·3 min read
Featured ImageMortgage news

Mortgage Application Volume Rebounds

Apr 22, 2021·1 min read
Featured ImageVA

What is VA residual income and how does it affect your VA loan?

Apr 16, 2021·4 min read
Featured ImageFHA

How to Calculate FHA Debt-to-Income Ratio?

Apr 8, 2021·4 min read
Featured ImageMortgage FAQ

How are Mortgage Rates Determined?

Mar 31, 2021·3 min read
Featured ImageFHA

The Rules For FHA Down Payment Gifts

Mar 24, 2021·2 min read
Featured ImageVA

Refinancing a VA Loan: Which Option is Best?

Mar 18, 2021·4 min read
Featured ImageMortgage FAQ

What is a reverse mortgage?

Mar 11, 2021·3 min read
Featured ImageGetting Started

How Much do I Need to Buy a House?

Mar 2, 2021·4 min read
Featured ImageMortgage news

Mortgage Relief Extended Another 6 Months

Feb 25, 2021·2 min read
Featured ImageMortgage news

Average Mortgage Amount Continues to Skyrocket

Feb 17, 2021·2 min read
Featured ImageMortgage news

Is the stimulus plan enough to keep the housing market afloat?

Feb 11, 2021·2 min read
Featured ImageFHA

Can you refinance an FHA loan?

Feb 5, 2021·3 min read
Featured ImageMortgage news

How Will Biden Administration Impact Mortgage Rates?

Jan 20, 2021·2 min read