VA loan calculators

Estimates built on the VA's current funding fee schedule. Your lender's Loan Estimate is the final word.

Monthly payment

Home priceDown payment0.0% downInterest rate (%)Use a quote from your lenderLoan termProperty tax (% of price per year)Homeowners insurance ($ per year)

I've used my VA loan before I get VA disability pay (no funding fee)

Estimated monthly payment$2,643

Principal & interest: $2,201
Property tax: $292
Insurance: $150
Mortgage insurance: $0
Funding fee (2.15%) added to loan: $7,525
Total loan amount: $357,525

Compare VA lender rates

Estimate only. Excludes HOA dues. Your lender's Loan Estimate is the real number.

Funding fee

Loan typeHome priceDown payment

Not my first VA loan Exempt (VA disability pay, Purple Heart on active duty, or eligible surviving spouse)

Funding fee$6,4502.15% of $300,000

Entitlement and max zero-down loan

Do you have full entitlement?

Your no-down-payment limitNo VA limitWith full entitlement, VA sets no cap. Your lender decides how much you can afford.

IRRRL break-even

Current loan balanceCurrent rate (%)New rate offered (%)New loan termClosing costs you'd pay

Monthly savings$223You'd earn back closing costs in about 21 months. VA generally requires this to happen within 36 months.

Assumes the 0.5% IRRRL funding fee is rolled into the new loan and the same remaining term. Rules on seasoning and net tangible benefit also apply.

Funding fee schedule source: VA.gov, effective Rates effective April 7, 2023 (still the published VA rates as of November 2026). VA Circular 26-23-6 Change 2 (January 21, 2025) updated the dates the rate table applies to without changing the percentages shown on VA.gov..