VA Loan Calculators
Free, no-signup calculators for the numbers that actually decide whether a VA loan works for you. VA-controlled rates come straight from VA.gov, last verified August 31, 2026.
All VA loan calculators
VA Mortgage Calculator
Estimate your full monthly VA loan payment, including the funding fee, taxes, insurance, and HOA.
Calculate PaymentVA Funding Fee Calculator
See your exact VA funding fee percentage and dollar amount using the official VA rate chart.
Calculate FeeVA Affordability Calculator
Estimate a comfortable home price range based on your income, debts, and housing costs.
Check AffordabilityVA Closing Cost Calculator
Estimate the cash you need at closing: funding fee, lender and title fees, prepaid escrows, and seller credits.
Estimate Closing CostsVA Entitlement Calculator
See your remaining entitlement, the largest zero-down loan it supports, and any down payment needed.
Check EntitlementVA Residual Income Calculator
Check your leftover monthly income against VA's official requirement tables by region and household size.
Check Residual IncomeVA Refinance Calculator
Compare an IRRRL against your current VA loan and see the month your savings cover the cost of refinancing.
Check Break-EvenVA Cash-Out Refinance Calculator
See the most cash you can take out of your home, the funding fee, and the payment that follows.
Estimate Cash-OutVA vs Conventional vs FHA
Compare all three loan programs on the same house — payment, mortgage insurance, and cash at closing.
Compare Programs
Which calculator do I need?
- Estimate my payment
I know the house I want.
Start with the VA Mortgage Calculator for the full monthly payment.
- Calculate my funding fee
I want to know what the fee costs me.
The VA Funding Fee Calculator uses the official VA rate chart.
- Check what I can afford
I don't have a price in mind yet.
The VA Affordability Calculator works backwards from your income.
Want the background first?
The VA Loan Guide explains entitlement, the funding fee, residual income, and why a VA payment is usually lower than a comparable conventional one — in plain English.
- VA Loan Guide
The big picture, start to finish.
- VA Loan Requirements
Who qualifies, the Certificate of Eligibility, and what lenders check.
- VA Loan Credit Score Requirements
VA sets no minimum score — lenders do. What that means for you.
- VA Appraisal
What appraisers check, what it costs, and what to do if value comes in low.
- VA Funding Fee Chart
Every current funding fee rate by loan type, use, and down payment.
- VA Funding Fee Refund
Who gets the funding fee back and how VA pays it.
- VA Loan Closing Costs
What buyers actually pay, the 4% seller rule, and who can pay what.
- VA Loan Limits
Why most borrowers have no limit — and when county limits apply.
- VA Jumbo Loans
Loans above the county limit: the guaranty math and lender rules.
- How Long a VA Loan Takes
COE to close in about 30–45 days — every step, and what delays it.
- VA Loan FAQ
Straight answers to the most-searched VA loan questions.
- IRRRL Guide
How the VA streamline refinance works and when it's worth it.
- Can You Have Two VA Loans at Once?
When a second VA loan works, the bonus entitlement math, and down payments.
- How VA Residual Income Works
VA's leftover-income test, the regional tables, and how it offsets high DTI.
- VA Loan Entitlement
Full vs remaining entitlement, two VA loans at once, and restoration.
- VA Loan Assumption
Who can assume a VA loan, the 0.5% fee, and the entitlement catch.
- How Much House Can I Afford?
Estimate your buying power with DTI, residual income, and zero down.
- VA Mortgage Calculator with Funding Fee
Estimate your real monthly payment with the VA funding fee included.