Build a budget that works for your life, before you apply.
This is a free tool for rural families thinking about buying, renting, or fixing a home through USDA Rural Development. It does not check your credit. It does not decide if you qualify. You do not need to sign up or share your name. Only USDA staff make those decisions.
I want to buy a home
See what USDA looks at when you apply for a Section 502 direct home loan, and check if your monthly budget can handle a house payment.
I want to rent in a rural area
Learn how USDA-backed rentals work, what a waitlist looks like, and what rent you can afford without stretching your budget.
I own my home and it needs repairs
Learn about Section 504 home repair loans and grants. Grants are for homeowners 62 and older with a low income.
Try a sample scenario
Pre-filled examples. You can change any number after.
The Nguyens, Polk County IA
Two earners, steady jobs, and a budget with room to spare.
James and Dana, Rutherford County TN
A young family whose budget covers the basics with little cushion.
Maria, Coffee County AL
A single parent whose costs are close to her take-home pay.
What this tool does
- Private by default. No sign up. No name, address, or Social Security Number.
- Compares your budget to typical costs where you live.
- Points out numbers that look too low or too high to be real.
- Never says you are approved or that you qualify. Only USDA can say that.
- You can chat with the Budget Coach any time to get things explained.