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USDA RD Guarantee & Annual Fee 2015 USDA has increased the upfront funding fee (aka "upfront guarantee fee") by an additional 0.75 percent as of October 1, 2015. From USDA: On October 1, 2015 the upfront guarantee fee for purchase and refinance loans will increase from 2 percent to 2.75 percent. The annual fee will remain at 0.50 percent for purchase and refinance loans.
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