VA Loan
Calculator
VA payments with the real funding fee, zero down, and no PMI, ever
The complete VA purchase picture: the current funding-fee table by usage and down payment, disability exemptions, fee financing, and the monthly PMI a conventional loan would have charged.
See It In Action
Play with the calculator below. This is exactly what your visitors will see.
VA Loan Calculator
Calculate VA loan payments with the funding fee, zero down, and no PMI
Total Monthly Payment
$3,380
Loan Summary
VA Funding Fee
$9,675
Total Loan Amount
$459,675
Principal & Interest
$2,830
Cash to Close
$0
The VA Advantage
Monthly PMI Avoided
$206
Down Payment
$0
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How It Works
Get your results in four simple steps
Enter the scenario
Fill in 9 plain-English inputs across 3 short sections. Sensible defaults get you a result immediately.
Read the verdict
Results update instantly: the headline figure, supporting stats, and clear pass/fail states where qualification applies.
Share or download
Send a live share link or download a branded PDF scenario report to keep the conversation going.
Why This Calculator
Purpose-built features that give you the insights you actually need.
Purchase Details
Home price and down payment
VA Funding Fee
Usage and financing of the funding fee
Taxes & Insurance
Escrowed monthly costs
How the VA Loan math works
Calculate VA loan payments with the funding fee, zero down, and no PMI
Industry Standards We Follow
- 2026 VA funding fee table (first/subsequent use, down-payment tiers, exemption)
- No monthly mortgage insurance on VA loans
Key Variables in Our Calculation
- downPaymentDown payment amount
- baseLoanAmountLoan before the funding fee
- isFirstUseFirst VA use
- isSubsequentUseSubsequent VA use
- firstUseFeeRateFirst-use funding fee tier
- subsequentFeeRateSubsequent-use funding fee tier
- fundingFeeRateApplicable funding fee rate (0 when exempt)
- fundingFeeVA funding fee amount
Expert Insights
Get the most out of your calculations with these professional tips
Start from the defaults
Defaults reflect current market conditions; change only what you know about your scenario.
Stress-test the result
Nudge the most uncertain input both directions to see how sturdy the conclusion is.
Put it on your site
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Frequently Asked Questions
Everything you need to know about the VA Loan Calculator
For 2026: first use is 2.15% with less than 5% down, 1.5% with 5-10% down, and 1.25% with 10%+ down. Subsequent use is 3.3% under 5% down. Veterans with service-connected disability ratings are exempt.
No. VA loans never carry monthly mortgage insurance, which is one of the largest advantages over FHA and low-down conventional loans. The calculator shows the monthly PMI you avoid.
Who Uses This Calculator
Veterans & Service Members
See your true payment with the funding fee handled correctly.
VA-Focused Loan Officers
Quote VA scenarios with the exact fee tier, not a guess.
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