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USDA Guarantee, Annual Fee for 2015 USDA Annual Fee – In the past usda home loans have not had or required an annual fee, just the one time Guarantee Fee noted above. However, starting 2015 USDA will assess a .50% annual fee. This will be pretty similar to what most people know as private mortgage insurance or PMI that is required for most home loans when the down payment is less than 20%.
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