The cost of your USDA home loan will depend on several factors, including the type of loan you choose, the length of your loan, and the interest rate. In most cases, the interest rate on a USDA home loan is lower than the interest rate on a conventional mortgage. You can also get a fixed or adjustable mortgage with a USDA home loan. The type of mortgage you choose will affect your monthly payments and the total amount you pay over the life of your loan.