VA home loan numbers made simple.
Free VA loan calculators built for veterans, service members, and military families.
Sample estimate — monthly payment
$2,622/ month
Start with the payment calculator, then check the funding fee and what you can comfortably afford.
Estimate your full monthly VA loan payment, including the funding fee, taxes, insurance, and HOA.
Calculate PaymentSee your exact VA funding fee percentage and dollar amount using the official VA rate chart.
Calculate FeeEstimate a comfortable home price range based on your income, debts, and housing costs.
Check AffordabilityEstimate the cash you need at closing: funding fee, lender and title fees, prepaid escrows, and seller credits.
Estimate Closing CostsSee your remaining entitlement, the largest zero-down loan it supports, and any down payment needed.
Check EntitlementCheck your leftover monthly income against VA's official requirement tables by region and household size.
Check Residual IncomeCompare an IRRRL against your current VA loan and see the month your savings cover the cost of refinancing.
Check Break-EvenSee the most cash you can take out of your home, the funding fee, and the payment that follows.
Estimate Cash-OutCompare all three loan programs on the same house — payment, mortgage insurance, and cash at closing.
Compare ProgramsThe VA loan benefit works differently from a conventional mortgage: no down payment requirement, no monthly mortgage insurance, and a one-time funding fee instead. Our plain English guide explains what actually affects your monthly cost.
Read the VA Loan GuideSearch VA's official fee table: the maximum appraisal fee and expected timeline for your state — and counties that set their own schedule.
Look up your state's appraisal feeRecent VA loan, housing, and mortgage developments from official sources.
VA announced that starting this tax year, Veterans, service members, and surviving spouses can deduct the VA funding fee paid on a home purchased with a VA-guaranteed loan. The fee is still charged the same way at closing.
FHFA set the 2026 baseline conforming loan limit for one-unit homes at $832,750, a 3.26% increase over 2025. High-cost counties get higher values.
VA allows VA-loan borrowers to pay reasonable and customary buyer-broker fees where those fees can no longer be set by the listing side. The charges cannot be added to the loan amount, and lenders must count them toward your cash to close.
