With zero down and a 1% upfront guarantee fee rolled in, the USDA loan amount is $227,250. At 7% for 30 years, P&I is about $1,512/mo, plus the 0.35% annual fee (~$66/mo), Carter County taxes (~$118/mo), and insurance (~$75/mo) — all-in roughly $1,771/mo. No down payment required.
USDA Loan Payment Calculator
USDA 2026 fees: 1.0% upfront guarantee fee (rolled in), 0.35%/yr annual fee. Zero down payment. Property taxes at 0.63%/yr. Property must be in a USDA-eligible area and borrower must meet income limits. Check your area's eligibility.
USDA-eligible areas in the Tri-Cities
Much of Carter County (Elizabethton, Roan Mountain), Greene County (Greeneville, Mosheim), rural Washington County (Jonesborough, Telford), and parts of Sullivan and Hawkins counties are USDA-eligible. The denser cores of Johnson City, Kingsport, and Bristol typically are not. Use the USDA Eligibility Checker for your specific area, and Sam confirms the exact address on the official map at no cost.