VA Home Loan Calculator

Estimate VA home loan payments, compare funding fee scenarios, and get a clearer sense of monthly housing cost before you talk with a lender.

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VA Home Loan Calculator

Estimate principal & interest, VA funding fee, and total monthly housing cost for a purchase loan.

Purchase price ($)

Down payment ($)

Interest rate (%)

Annual property tax ($)

Annual homeowners insurance ($)

Monthly HOA ($)

Loan term

First use of VA home loan benefitExempt from funding fee (e.g., receiving disability compensation)Finance funding fee into the loan

Estimated monthly payment

$2,759.80

P&I

$2,259.80

Funding fee

$7,525.00

Total loan

$357,525.00

Fee rate

2.15%

Base loan amount: $350000.00 − $0.00 = $350000.00.
Funding fee rate: 2.15% → $7525.00.
Funding fee financed into loan → total loan $357525.00.
Principal & interest at 6.5% for 30 years: $2259.80/mo.
Taxes/insurance/HOA: $350.00 + $150.00 + $0.00.
Estimated total monthly housing payment: $2759.80.

Why a VA home loan calculator helps

VA-backed loans can reduce or eliminate down payment and monthly PMI, but you still need a clear picture of principal and interest, taxes, insurance, and the one-time funding fee. Veterans receiving disability compensation are often exempt from the funding fee — toggle that option in the calculator.

Pair housing estimates with income planning from the disability pay chart, combined rating, and back pay tools.

Funding fee basics

For purchases, common 2026 funding fee rates are 2.15% (first use, under 5% down), 3.3% (subsequent use, under 5% down), 1.5% (5%+ down), and 1.25% (10%+ down). This calculator is not a lender quote and is not affiliated with the VA.

Related VA Benefits Tools

Explore more free calculators to estimate your VA disability benefits.