· Can you Include the USDA Upfront PMI Fee in the Loan Amount? August 1, 2017 By JMcHood. The USDA loan is unique because it provides you with 100% funding. You don’t need any money down on the home. It may sound too good to be true, but it gets better. You can also roll the upfront PMI fee into the loan on top of the 100% LTV.