VA Home Loan Mortgage Calculator

Free VA home loan mortgage calculator to calculate monthly payments, affordability, and required interest rates. Plan your VA loan with funding fees, zero down payment options, and no PMI requirements.

VA Loan Details

Down Payment: 0.00%(VA loans allow 0% down payment)

VA Loan Summary

Principal & Interest
$3,066.70
per month
Total Monthly Payment
$3,583.37
including all costs
Loan Amount
$500,000.00

Monthly Breakdown

Principal & Interest:$3,066.70
Property Tax:$416.67
Home Insurance:$100.00
VA Funding Fee:$31.94
Total Monthly Payment:$3,583.37
VA Funding Fee
$11,500.00
Total Interest
$592,512.34
Total Payment
$1,104,012.34
Total Cost
$1,301,512.34

Payment Schedule

MonthDateBeginning BalancePrincipalInterestProperty TaxInsuranceVA FeeHOATotal PaymentEnding Balance
1January 1, 2026$511,500.00$509.20$2,557.50$416.67$100.00$31.94$0.00$3,583.37$510,990.80
2February 1, 2026$510,990.80$511.75$2,554.95$416.67$100.00$31.94$0.00$3,583.37$510,479.05
3March 1, 2026$510,479.05$514.31$2,552.40$416.67$100.00$31.94$0.00$3,583.37$509,964.75
4April 1, 2026$509,964.75$516.88$2,549.82$416.67$100.00$31.94$0.00$3,583.37$509,447.87
5May 1, 2026$509,447.87$519.46$2,547.24$416.67$100.00$31.94$0.00$3,583.37$508,928.41
6June 1, 2026$508,928.41$522.06$2,544.64$416.67$100.00$31.94$0.00$3,583.37$508,406.35
7July 1, 2026$508,406.35$524.67$2,542.03$416.67$100.00$31.94$0.00$3,583.37$507,881.68
8August 1, 2026$507,881.68$527.29$2,539.41$416.67$100.00$31.94$0.00$3,583.37$507,354.39
9September 1, 2026$507,354.39$529.93$2,536.77$416.67$100.00$31.94$0.00$3,583.37$506,824.46
10October 1, 2026$506,824.46$532.58$2,534.12$416.67$100.00$31.94$0.00$3,583.37$506,291.88
11November 1, 2026$506,291.88$535.24$2,531.46$416.67$100.00$31.94$0.00$3,583.37$505,756.64
12December 1, 2026$505,756.64$537.92$2,528.78$416.67$100.00$31.94$0.00$3,583.37$505,218.72
13January 1, 2027$505,218.72$540.61$2,526.09$416.67$100.00$31.94$0.00$3,583.37$504,678.11
14February 1, 2027$504,678.11$543.31$2,523.39$416.67$100.00$31.94$0.00$3,583.37$504,134.80
15March 1, 2027$504,134.80$546.03$2,520.67$416.67$100.00$31.94$0.00$3,583.37$503,588.78
16April 1, 2027$503,588.78$548.76$2,517.94$416.67$100.00$31.94$0.00$3,583.37$503,040.02
17May 1, 2027$503,040.02$551.50$2,515.20$416.67$100.00$31.94$0.00$3,583.37$502,488.52
18June 1, 2027$502,488.52$554.26$2,512.44$416.67$100.00$31.94$0.00$3,583.37$501,934.26
19July 1, 2027$501,934.26$557.03$2,509.67$416.67$100.00$31.94$0.00$3,583.37$501,377.23
20August 1, 2027$501,377.23$559.81$2,506.89$416.67$100.00$31.94$0.00$3,583.37$500,817.41
21September 1, 2027$500,817.41$562.61$2,504.09$416.67$100.00$31.94$0.00$3,583.37$500,254.80
22October 1, 2027$500,254.80$565.43$2,501.27$416.67$100.00$31.94$0.00$3,583.37$499,689.37
23November 1, 2027$499,689.37$568.25$2,498.45$416.67$100.00$31.94$0.00$3,583.37$499,121.12
24December 1, 2027$499,121.12$571.10$2,495.61$416.67$100.00$31.94$0.00$3,583.37$498,550.02
25January 1, 2028$498,550.02$573.95$2,492.75$416.67$100.00$31.94$0.00$3,583.37$497,976.07
26February 1, 2028$497,976.07$576.82$2,489.88$416.67$100.00$31.94$0.00$3,583.37$497,399.25
27March 1, 2028$497,399.25$579.70$2,487.00$416.67$100.00$31.94$0.00$3,583.37$496,819.55
28April 1, 2028$496,819.55$582.60$2,484.10$416.67$100.00$31.94$0.00$3,583.37$496,236.95
29May 1, 2028$496,236.95$585.52$2,481.18$416.67$100.00$31.94$0.00$3,583.37$495,651.43
30June 1, 2028$495,651.43$588.44$2,478.26$416.67$100.00$31.94$0.00$3,583.37$495,062.99
31July 1, 2028$495,062.99$591.39$2,475.31$416.67$100.00$31.94$0.00$3,583.37$494,471.60
32August 1, 2028$494,471.60$594.34$2,472.36$416.67$100.00$31.94$0.00$3,583.37$493,877.26
33September 1, 2028$493,877.26$597.31$2,469.39$416.67$100.00$31.94$0.00$3,583.37$493,279.94
34October 1, 2028$493,279.94$600.30$2,466.40$416.67$100.00$31.94$0.00$3,583.37$492,679.64
35November 1, 2028$492,679.64$603.30$2,463.40$416.67$100.00$31.94$0.00$3,583.37$492,076.34
36December 1, 2028$492,076.34$606.32$2,460.38$416.67$100.00$31.94$0.00$3,583.37$491,470.02
37January 1, 2029$491,470.02$609.35$2,457.35$416.67$100.00$31.94$0.00$3,583.37$490,860.67
38February 1, 2029$490,860.67$612.40$2,454.30$416.67$100.00$31.94$0.00$3,583.37$490,248.27
39March 1, 2029$490,248.27$615.46$2,451.24$416.67$100.00$31.94$0.00$3,583.37$489,632.81
40April 1, 2029$489,632.81$618.54$2,448.16$416.67$100.00$31.94$0.00$3,583.37$489,014.27
41May 1, 2029$489,014.27$621.63$2,445.07$416.67$100.00$31.94$0.00$3,583.37$488,392.64
42June 1, 2029$488,392.64$624.74$2,441.96$416.67$100.00$31.94$0.00$3,583.37$487,767.91
43July 1, 2029$487,767.91$627.86$2,438.84$416.67$100.00$31.94$0.00$3,583.37$487,140.04
44August 1, 2029$487,140.04$631.00$2,435.70$416.67$100.00$31.94$0.00$3,583.37$486,509.04
45September 1, 2029$486,509.04$634.16$2,432.55$416.67$100.00$31.94$0.00$3,583.37$485,874.89
46October 1, 2029$485,874.89$637.33$2,429.37$416.67$100.00$31.94$0.00$3,583.37$485,237.56
47November 1, 2029$485,237.56$640.51$2,426.19$416.67$100.00$31.94$0.00$3,583.37$484,597.05
48December 1, 2029$484,597.05$643.72$2,422.99$416.67$100.00$31.94$0.00$3,583.37$483,953.33
49January 1, 2030$483,953.33$646.93$2,419.77$416.67$100.00$31.94$0.00$3,583.37$483,306.40
50February 1, 2030$483,306.40$650.17$2,416.53$416.67$100.00$31.94$0.00$3,583.37$482,656.23
51March 1, 2030$482,656.23$653.42$2,413.28$416.67$100.00$31.94$0.00$3,583.37$482,002.81
52April 1, 2030$482,002.81$656.69$2,410.01$416.67$100.00$31.94$0.00$3,583.37$481,346.12
53May 1, 2030$481,346.12$659.97$2,406.73$416.67$100.00$31.94$0.00$3,583.37$480,686.15
54June 1, 2030$480,686.15$663.27$2,403.43$416.67$100.00$31.94$0.00$3,583.37$480,022.88
55July 1, 2030$480,022.88$666.59$2,400.11$416.67$100.00$31.94$0.00$3,583.37$479,356.30
56August 1, 2030$479,356.30$669.92$2,396.78$416.67$100.00$31.94$0.00$3,583.37$478,686.38
57September 1, 2030$478,686.38$673.27$2,393.43$416.67$100.00$31.94$0.00$3,583.37$478,013.11
58October 1, 2030$478,013.11$676.64$2,390.07$416.67$100.00$31.94$0.00$3,583.37$477,336.47
59November 1, 2030$477,336.47$680.02$2,386.68$416.67$100.00$31.94$0.00$3,583.37$476,656.45
60December 1, 2030$476,656.45$683.42$2,383.28$416.67$100.00$31.94$0.00$3,583.37$475,973.04
61January 1, 2031$475,973.04$686.84$2,379.87$416.67$100.00$31.94$0.00$3,583.37$475,286.20
62February 1, 2031$475,286.20$690.27$2,376.43$416.67$100.00$31.94$0.00$3,583.37$474,595.93
63March 1, 2031$474,595.93$693.72$2,372.98$416.67$100.00$31.94$0.00$3,583.37$473,902.21
64April 1, 2031$473,902.21$697.19$2,369.51$416.67$100.00$31.94$0.00$3,583.37$473,205.02
65May 1, 2031$473,205.02$700.68$2,366.03$416.67$100.00$31.94$0.00$3,583.37$472,504.34
66June 1, 2031$472,504.34$704.18$2,362.52$416.67$100.00$31.94$0.00$3,583.37$471,800.16
67July 1, 2031$471,800.16$707.70$2,359.00$416.67$100.00$31.94$0.00$3,583.37$471,092.46
68August 1, 2031$471,092.46$711.24$2,355.46$416.67$100.00$31.94$0.00$3,583.37$470,381.22
69September 1, 2031$470,381.22$714.79$2,351.91$416.67$100.00$31.94$0.00$3,583.37$469,666.43
70October 1, 2031$469,666.43$718.37$2,348.33$416.67$100.00$31.94$0.00$3,583.37$468,948.06
71November 1, 2031$468,948.06$721.96$2,344.74$416.67$100.00$31.94$0.00$3,583.37$468,226.10
72December 1, 2031$468,226.10$725.57$2,341.13$416.67$100.00$31.94$0.00$3,583.37$467,500.53
73January 1, 2032$467,500.53$729.20$2,337.50$416.67$100.00$31.94$0.00$3,583.37$466,771.33
74February 1, 2032$466,771.33$732.84$2,333.86$416.67$100.00$31.94$0.00$3,583.37$466,038.49
75March 1, 2032$466,038.49$736.51$2,330.19$416.67$100.00$31.94$0.00$3,583.37$465,301.98
76April 1, 2032$465,301.98$740.19$2,326.51$416.67$100.00$31.94$0.00$3,583.37$464,561.79
77May 1, 2032$464,561.79$743.89$2,322.81$416.67$100.00$31.94$0.00$3,583.37$463,817.90
78June 1, 2032$463,817.90$747.61$2,319.09$416.67$100.00$31.94$0.00$3,583.37$463,070.28
79July 1, 2032$463,070.28$751.35$2,315.35$416.67$100.00$31.94$0.00$3,583.37$462,318.93
80August 1, 2032$462,318.93$755.11$2,311.59$416.67$100.00$31.94$0.00$3,583.37$461,563.83
81September 1, 2032$461,563.83$758.88$2,307.82$416.67$100.00$31.94$0.00$3,583.37$460,804.95
82October 1, 2032$460,804.95$762.68$2,304.02$416.67$100.00$31.94$0.00$3,583.37$460,042.27
83November 1, 2032$460,042.27$766.49$2,300.21$416.67$100.00$31.94$0.00$3,583.37$459,275.78
84December 1, 2032$459,275.78$770.32$2,296.38$416.67$100.00$31.94$0.00$3,583.37$458,505.46
85January 1, 2033$458,505.46$774.17$2,292.53$416.67$100.00$31.94$0.00$3,583.37$457,731.29
86February 1, 2033$457,731.29$778.04$2,288.66$416.67$100.00$31.94$0.00$3,583.37$456,953.24
87March 1, 2033$456,953.24$781.93$2,284.77$416.67$100.00$31.94$0.00$3,583.37$456,171.31
88April 1, 2033$456,171.31$785.84$2,280.86$416.67$100.00$31.94$0.00$3,583.37$455,385.46
89May 1, 2033$455,385.46$789.77$2,276.93$416.67$100.00$31.94$0.00$3,583.37$454,595.69
90June 1, 2033$454,595.69$793.72$2,272.98$416.67$100.00$31.94$0.00$3,583.37$453,801.97
91July 1, 2033$453,801.97$797.69$2,269.01$416.67$100.00$31.94$0.00$3,583.37$453,004.27
92August 1, 2033$453,004.27$801.68$2,265.02$416.67$100.00$31.94$0.00$3,583.37$452,202.59
93September 1, 2033$452,202.59$805.69$2,261.01$416.67$100.00$31.94$0.00$3,583.37$451,396.91
94October 1, 2033$451,396.91$809.72$2,256.98$416.67$100.00$31.94$0.00$3,583.37$450,587.19
95November 1, 2033$450,587.19$813.76$2,252.94$416.67$100.00$31.94$0.00$3,583.37$449,773.43
96December 1, 2033$449,773.43$817.83$2,248.87$416.67$100.00$31.94$0.00$3,583.37$448,955.59
97January 1, 2034$448,955.59$821.92$2,244.78$416.67$100.00$31.94$0.00$3,583.37$448,133.67
98February 1, 2034$448,133.67$826.03$2,240.67$416.67$100.00$31.94$0.00$3,583.37$447,307.64
99March 1, 2034$447,307.64$830.16$2,236.54$416.67$100.00$31.94$0.00$3,583.37$446,477.47
100April 1, 2034$446,477.47$834.31$2,232.39$416.67$100.00$31.94$0.00$3,583.37$445,643.16
101May 1, 2034$445,643.16$838.49$2,228.22$416.67$100.00$31.94$0.00$3,583.37$444,804.67
102June 1, 2034$444,804.67$842.68$2,224.02$416.67$100.00$31.94$0.00$3,583.37$443,962.00
103July 1, 2034$443,962.00$846.89$2,219.81$416.67$100.00$31.94$0.00$3,583.37$443,115.11
104August 1, 2034$443,115.11$851.13$2,215.58$416.67$100.00$31.94$0.00$3,583.37$442,263.98
105September 1, 2034$442,263.98$855.38$2,211.32$416.67$100.00$31.94$0.00$3,583.37$441,408.60
106October 1, 2034$441,408.60$859.66$2,207.04$416.67$100.00$31.94$0.00$3,583.37$440,548.94
107November 1, 2034$440,548.94$863.96$2,202.74$416.67$100.00$31.94$0.00$3,583.37$439,684.99
108December 1, 2034$439,684.99$868.28$2,198.42$416.67$100.00$31.94$0.00$3,583.37$438,816.71
109January 1, 2035$438,816.71$872.62$2,194.08$416.67$100.00$31.94$0.00$3,583.37$437,944.09
110February 1, 2035$437,944.09$876.98$2,189.72$416.67$100.00$31.94$0.00$3,583.37$437,067.11
111March 1, 2035$437,067.11$881.37$2,185.34$416.67$100.00$31.94$0.00$3,583.37$436,185.75
112April 1, 2035$436,185.75$885.77$2,180.93$416.67$100.00$31.94$0.00$3,583.37$435,299.97
113May 1, 2035$435,299.97$890.20$2,176.50$416.67$100.00$31.94$0.00$3,583.37$434,409.77
114June 1, 2035$434,409.77$894.65$2,172.05$416.67$100.00$31.94$0.00$3,583.37$433,515.12
115July 1, 2035$433,515.12$899.13$2,167.58$416.67$100.00$31.94$0.00$3,583.37$432,616.00
116August 1, 2035$432,616.00$903.62$2,163.08$416.67$100.00$31.94$0.00$3,583.37$431,712.37
117September 1, 2035$431,712.37$908.14$2,158.56$416.67$100.00$31.94$0.00$3,583.37$430,804.24
118October 1, 2035$430,804.24$912.68$2,154.02$416.67$100.00$31.94$0.00$3,583.37$429,891.56
119November 1, 2035$429,891.56$917.24$2,149.46$416.67$100.00$31.94$0.00$3,583.37$428,974.31
120December 1, 2035$428,974.31$921.83$2,144.87$416.67$100.00$31.94$0.00$3,583.37$428,052.48
121January 1, 2036$428,052.48$926.44$2,140.26$416.67$100.00$31.94$0.00$3,583.37$427,126.04
122February 1, 2036$427,126.04$931.07$2,135.63$416.67$100.00$31.94$0.00$3,583.37$426,194.97
123March 1, 2036$426,194.97$935.73$2,130.97$416.67$100.00$31.94$0.00$3,583.37$425,259.25
124April 1, 2036$425,259.25$940.40$2,126.30$416.67$100.00$31.94$0.00$3,583.37$424,318.84
125May 1, 2036$424,318.84$945.11$2,121.59$416.67$100.00$31.94$0.00$3,583.37$423,373.74
126June 1, 2036$423,373.74$949.83$2,116.87$416.67$100.00$31.94$0.00$3,583.37$422,423.90
127July 1, 2036$422,423.90$954.58$2,112.12$416.67$100.00$31.94$0.00$3,583.37$421,469.32
128August 1, 2036$421,469.32$959.35$2,107.35$416.67$100.00$31.94$0.00$3,583.37$420,509.97
129September 1, 2036$420,509.97$964.15$2,102.55$416.67$100.00$31.94$0.00$3,583.37$419,545.82
130October 1, 2036$419,545.82$968.97$2,097.73$416.67$100.00$31.94$0.00$3,583.37$418,576.85
131November 1, 2036$418,576.85$973.82$2,092.88$416.67$100.00$31.94$0.00$3,583.37$417,603.03
132December 1, 2036$417,603.03$978.69$2,088.02$416.67$100.00$31.94$0.00$3,583.37$416,624.34
133January 1, 2037$416,624.34$983.58$2,083.12$416.67$100.00$31.94$0.00$3,583.37$415,640.76
134February 1, 2037$415,640.76$988.50$2,078.20$416.67$100.00$31.94$0.00$3,583.37$414,652.27
135March 1, 2037$414,652.27$993.44$2,073.26$416.67$100.00$31.94$0.00$3,583.37$413,658.83
136April 1, 2037$413,658.83$998.41$2,068.29$416.67$100.00$31.94$0.00$3,583.37$412,660.42
137May 1, 2037$412,660.42$1,003.40$2,063.30$416.67$100.00$31.94$0.00$3,583.37$411,657.02
138June 1, 2037$411,657.02$1,008.42$2,058.29$416.67$100.00$31.94$0.00$3,583.37$410,648.61
139July 1, 2037$410,648.61$1,013.46$2,053.24$416.67$100.00$31.94$0.00$3,583.37$409,635.15
140August 1, 2037$409,635.15$1,018.53$2,048.18$416.67$100.00$31.94$0.00$3,583.37$408,616.62
141September 1, 2037$408,616.62$1,023.62$2,043.08$416.67$100.00$31.94$0.00$3,583.37$407,593.00
142October 1, 2037$407,593.00$1,028.74$2,037.97$416.67$100.00$31.94$0.00$3,583.37$406,564.27
143November 1, 2037$406,564.27$1,033.88$2,032.82$416.67$100.00$31.94$0.00$3,583.37$405,530.39
144December 1, 2037$405,530.39$1,039.05$2,027.65$416.67$100.00$31.94$0.00$3,583.37$404,491.34
145January 1, 2038$404,491.34$1,044.24$2,022.46$416.67$100.00$31.94$0.00$3,583.37$403,447.10
146February 1, 2038$403,447.10$1,049.47$2,017.24$416.67$100.00$31.94$0.00$3,583.37$402,397.63
147March 1, 2038$402,397.63$1,054.71$2,011.99$416.67$100.00$31.94$0.00$3,583.37$401,342.92
148April 1, 2038$401,342.92$1,059.99$2,006.71$416.67$100.00$31.94$0.00$3,583.37$400,282.93
149May 1, 2038$400,282.93$1,065.29$2,001.41$416.67$100.00$31.94$0.00$3,583.37$399,217.65
150June 1, 2038$399,217.65$1,070.61$1,996.09$416.67$100.00$31.94$0.00$3,583.37$398,147.03
151July 1, 2038$398,147.03$1,075.97$1,990.74$416.67$100.00$31.94$0.00$3,583.37$397,071.07
152August 1, 2038$397,071.07$1,081.35$1,985.36$416.67$100.00$31.94$0.00$3,583.37$395,989.72
153September 1, 2038$395,989.72$1,086.75$1,979.95$416.67$100.00$31.94$0.00$3,583.37$394,902.97
154October 1, 2038$394,902.97$1,092.19$1,974.51$416.67$100.00$31.94$0.00$3,583.37$393,810.78
155November 1, 2038$393,810.78$1,097.65$1,969.05$416.67$100.00$31.94$0.00$3,583.37$392,713.14
156December 1, 2038$392,713.14$1,103.14$1,963.57$416.67$100.00$31.94$0.00$3,583.37$391,610.00
157January 1, 2039$391,610.00$1,108.65$1,958.05$416.67$100.00$31.94$0.00$3,583.37$390,501.35
158February 1, 2039$390,501.35$1,114.19$1,952.51$416.67$100.00$31.94$0.00$3,583.37$389,387.16
159March 1, 2039$389,387.16$1,119.77$1,946.94$416.67$100.00$31.94$0.00$3,583.37$388,267.39
160April 1, 2039$388,267.39$1,125.36$1,941.34$416.67$100.00$31.94$0.00$3,583.37$387,142.03
161May 1, 2039$387,142.03$1,130.99$1,935.71$416.67$100.00$31.94$0.00$3,583.37$386,011.04
162June 1, 2039$386,011.04$1,136.65$1,930.06$416.67$100.00$31.94$0.00$3,583.37$384,874.39
163July 1, 2039$384,874.39$1,142.33$1,924.37$416.67$100.00$31.94$0.00$3,583.37$383,732.06
164August 1, 2039$383,732.06$1,148.04$1,918.66$416.67$100.00$31.94$0.00$3,583.37$382,584.02
165September 1, 2039$382,584.02$1,153.78$1,912.92$416.67$100.00$31.94$0.00$3,583.37$381,430.24
166October 1, 2039$381,430.24$1,159.55$1,907.15$416.67$100.00$31.94$0.00$3,583.37$380,270.69
167November 1, 2039$380,270.69$1,165.35$1,901.35$416.67$100.00$31.94$0.00$3,583.37$379,105.34
168December 1, 2039$379,105.34$1,171.17$1,895.53$416.67$100.00$31.94$0.00$3,583.37$377,934.17
169January 1, 2040$377,934.17$1,177.03$1,889.67$416.67$100.00$31.94$0.00$3,583.37$376,757.14
170February 1, 2040$376,757.14$1,182.92$1,883.79$416.67$100.00$31.94$0.00$3,583.37$375,574.22
171March 1, 2040$375,574.22$1,188.83$1,877.87$416.67$100.00$31.94$0.00$3,583.37$374,385.39
172April 1, 2040$374,385.39$1,194.77$1,871.93$416.67$100.00$31.94$0.00$3,583.37$373,190.62
173May 1, 2040$373,190.62$1,200.75$1,865.95$416.67$100.00$31.94$0.00$3,583.37$371,989.87
174June 1, 2040$371,989.87$1,206.75$1,859.95$416.67$100.00$31.94$0.00$3,583.37$370,783.12
175July 1, 2040$370,783.12$1,212.79$1,853.92$416.67$100.00$31.94$0.00$3,583.37$369,570.33
176August 1, 2040$369,570.33$1,218.85$1,847.85$416.67$100.00$31.94$0.00$3,583.37$368,351.48
177September 1, 2040$368,351.48$1,224.94$1,841.76$416.67$100.00$31.94$0.00$3,583.37$367,126.54
178October 1, 2040$367,126.54$1,231.07$1,835.63$416.67$100.00$31.94$0.00$3,583.37$365,895.47
179November 1, 2040$365,895.47$1,237.22$1,829.48$416.67$100.00$31.94$0.00$3,583.37$364,658.25
180December 1, 2040$364,658.25$1,243.41$1,823.29$416.67$100.00$31.94$0.00$3,583.37$363,414.84
181January 1, 2041$363,414.84$1,249.63$1,817.07$416.67$100.00$31.94$0.00$3,583.37$362,165.21
182February 1, 2041$362,165.21$1,255.87$1,810.83$416.67$100.00$31.94$0.00$3,583.37$360,909.34
183March 1, 2041$360,909.34$1,262.15$1,804.55$416.67$100.00$31.94$0.00$3,583.37$359,647.18
184April 1, 2041$359,647.18$1,268.47$1,798.24$416.67$100.00$31.94$0.00$3,583.37$358,378.72
185May 1, 2041$358,378.72$1,274.81$1,791.89$416.67$100.00$31.94$0.00$3,583.37$357,103.91
186June 1, 2041$357,103.91$1,281.18$1,785.52$416.67$100.00$31.94$0.00$3,583.37$355,822.73
187July 1, 2041$355,822.73$1,287.59$1,779.11$416.67$100.00$31.94$0.00$3,583.37$354,535.14
188August 1, 2041$354,535.14$1,294.03$1,772.68$416.67$100.00$31.94$0.00$3,583.37$353,241.12
189September 1, 2041$353,241.12$1,300.50$1,766.21$416.67$100.00$31.94$0.00$3,583.37$351,940.62
190October 1, 2041$351,940.62$1,307.00$1,759.70$416.67$100.00$31.94$0.00$3,583.37$350,633.62
191November 1, 2041$350,633.62$1,313.53$1,753.17$416.67$100.00$31.94$0.00$3,583.37$349,320.09
192December 1, 2041$349,320.09$1,320.10$1,746.60$416.67$100.00$31.94$0.00$3,583.37$347,999.99
193January 1, 2042$347,999.99$1,326.70$1,740.00$416.67$100.00$31.94$0.00$3,583.37$346,673.29
194February 1, 2042$346,673.29$1,333.33$1,733.37$416.67$100.00$31.94$0.00$3,583.37$345,339.96
195March 1, 2042$345,339.96$1,340.00$1,726.70$416.67$100.00$31.94$0.00$3,583.37$343,999.95
196April 1, 2042$343,999.95$1,346.70$1,720.00$416.67$100.00$31.94$0.00$3,583.37$342,653.25
197May 1, 2042$342,653.25$1,353.43$1,713.27$416.67$100.00$31.94$0.00$3,583.37$341,299.82
198June 1, 2042$341,299.82$1,360.20$1,706.50$416.67$100.00$31.94$0.00$3,583.37$339,939.62
199July 1, 2042$339,939.62$1,367.00$1,699.70$416.67$100.00$31.94$0.00$3,583.37$338,572.61
200August 1, 2042$338,572.61$1,373.84$1,692.86$416.67$100.00$31.94$0.00$3,583.37$337,198.78
201September 1, 2042$337,198.78$1,380.71$1,685.99$416.67$100.00$31.94$0.00$3,583.37$335,818.07
202October 1, 2042$335,818.07$1,387.61$1,679.09$416.67$100.00$31.94$0.00$3,583.37$334,430.46
203November 1, 2042$334,430.46$1,394.55$1,672.15$416.67$100.00$31.94$0.00$3,583.37$333,035.91
204December 1, 2042$333,035.91$1,401.52$1,665.18$416.67$100.00$31.94$0.00$3,583.37$331,634.39
205January 1, 2043$331,634.39$1,408.53$1,658.17$416.67$100.00$31.94$0.00$3,583.37$330,225.86
206February 1, 2043$330,225.86$1,415.57$1,651.13$416.67$100.00$31.94$0.00$3,583.37$328,810.29
207March 1, 2043$328,810.29$1,422.65$1,644.05$416.67$100.00$31.94$0.00$3,583.37$327,387.64
208April 1, 2043$327,387.64$1,429.76$1,636.94$416.67$100.00$31.94$0.00$3,583.37$325,957.88
209May 1, 2043$325,957.88$1,436.91$1,629.79$416.67$100.00$31.94$0.00$3,583.37$324,520.96
210June 1, 2043$324,520.96$1,444.10$1,622.60$416.67$100.00$31.94$0.00$3,583.37$323,076.87
211July 1, 2043$323,076.87$1,451.32$1,615.38$416.67$100.00$31.94$0.00$3,583.37$321,625.55
212August 1, 2043$321,625.55$1,458.57$1,608.13$416.67$100.00$31.94$0.00$3,583.37$320,166.98
213September 1, 2043$320,166.98$1,465.87$1,600.83$416.67$100.00$31.94$0.00$3,583.37$318,701.11
214October 1, 2043$318,701.11$1,473.20$1,593.51$416.67$100.00$31.94$0.00$3,583.37$317,227.92
215November 1, 2043$317,227.92$1,480.56$1,586.14$416.67$100.00$31.94$0.00$3,583.37$315,747.35
216December 1, 2043$315,747.35$1,487.96$1,578.74$416.67$100.00$31.94$0.00$3,583.37$314,259.39
217January 1, 2044$314,259.39$1,495.40$1,571.30$416.67$100.00$31.94$0.00$3,583.37$312,763.99
218February 1, 2044$312,763.99$1,502.88$1,563.82$416.67$100.00$31.94$0.00$3,583.37$311,261.11
219March 1, 2044$311,261.11$1,510.40$1,556.31$416.67$100.00$31.94$0.00$3,583.37$309,750.71
220April 1, 2044$309,750.71$1,517.95$1,548.75$416.67$100.00$31.94$0.00$3,583.37$308,232.76
221May 1, 2044$308,232.76$1,525.54$1,541.16$416.67$100.00$31.94$0.00$3,583.37$306,707.23
222June 1, 2044$306,707.23$1,533.16$1,533.54$416.67$100.00$31.94$0.00$3,583.37$305,174.06
223July 1, 2044$305,174.06$1,540.83$1,525.87$416.67$100.00$31.94$0.00$3,583.37$303,633.23
224August 1, 2044$303,633.23$1,548.53$1,518.17$416.67$100.00$31.94$0.00$3,583.37$302,084.70
225September 1, 2044$302,084.70$1,556.28$1,510.42$416.67$100.00$31.94$0.00$3,583.37$300,528.42
226October 1, 2044$300,528.42$1,564.06$1,502.64$416.67$100.00$31.94$0.00$3,583.37$298,964.36
227November 1, 2044$298,964.36$1,571.88$1,494.82$416.67$100.00$31.94$0.00$3,583.37$297,392.48
228December 1, 2044$297,392.48$1,579.74$1,486.96$416.67$100.00$31.94$0.00$3,583.37$295,812.74
229January 1, 2045$295,812.74$1,587.64$1,479.06$416.67$100.00$31.94$0.00$3,583.37$294,225.10
230February 1, 2045$294,225.10$1,595.58$1,471.13$416.67$100.00$31.94$0.00$3,583.37$292,629.53
231March 1, 2045$292,629.53$1,603.55$1,463.15$416.67$100.00$31.94$0.00$3,583.37$291,025.98
232April 1, 2045$291,025.98$1,611.57$1,455.13$416.67$100.00$31.94$0.00$3,583.37$289,414.40
233May 1, 2045$289,414.40$1,619.63$1,447.07$416.67$100.00$31.94$0.00$3,583.37$287,794.78
234June 1, 2045$287,794.78$1,627.73$1,438.97$416.67$100.00$31.94$0.00$3,583.37$286,167.05
235July 1, 2045$286,167.05$1,635.87$1,430.84$416.67$100.00$31.94$0.00$3,583.37$284,531.18
236August 1, 2045$284,531.18$1,644.05$1,422.66$416.67$100.00$31.94$0.00$3,583.37$282,887.14
237September 1, 2045$282,887.14$1,652.27$1,414.44$416.67$100.00$31.94$0.00$3,583.37$281,234.87
238October 1, 2045$281,234.87$1,660.53$1,406.17$416.67$100.00$31.94$0.00$3,583.37$279,574.35
239November 1, 2045$279,574.35$1,668.83$1,397.87$416.67$100.00$31.94$0.00$3,583.37$277,905.52
240December 1, 2045$277,905.52$1,677.17$1,389.53$416.67$100.00$31.94$0.00$3,583.37$276,228.34
241January 1, 2046$276,228.34$1,685.56$1,381.14$416.67$100.00$31.94$0.00$3,583.37$274,542.78
242February 1, 2046$274,542.78$1,693.99$1,372.71$416.67$100.00$31.94$0.00$3,583.37$272,848.80
243March 1, 2046$272,848.80$1,702.46$1,364.24$416.67$100.00$31.94$0.00$3,583.37$271,146.34
244April 1, 2046$271,146.34$1,710.97$1,355.73$416.67$100.00$31.94$0.00$3,583.37$269,435.37
245May 1, 2046$269,435.37$1,719.52$1,347.18$416.67$100.00$31.94$0.00$3,583.37$267,715.85
246June 1, 2046$267,715.85$1,728.12$1,338.58$416.67$100.00$31.94$0.00$3,583.37$265,987.73
247July 1, 2046$265,987.73$1,736.76$1,329.94$416.67$100.00$31.94$0.00$3,583.37$264,250.96
248August 1, 2046$264,250.96$1,745.45$1,321.25$416.67$100.00$31.94$0.00$3,583.37$262,505.52
249September 1, 2046$262,505.52$1,754.17$1,312.53$416.67$100.00$31.94$0.00$3,583.37$260,751.34
250October 1, 2046$260,751.34$1,762.94$1,303.76$416.67$100.00$31.94$0.00$3,583.37$258,988.40
251November 1, 2046$258,988.40$1,771.76$1,294.94$416.67$100.00$31.94$0.00$3,583.37$257,216.64
252December 1, 2046$257,216.64$1,780.62$1,286.08$416.67$100.00$31.94$0.00$3,583.37$255,436.02
253January 1, 2047$255,436.02$1,789.52$1,277.18$416.67$100.00$31.94$0.00$3,583.37$253,646.50
254February 1, 2047$253,646.50$1,798.47$1,268.23$416.67$100.00$31.94$0.00$3,583.37$251,848.03
255March 1, 2047$251,848.03$1,807.46$1,259.24$416.67$100.00$31.94$0.00$3,583.37$250,040.57
256April 1, 2047$250,040.57$1,816.50$1,250.20$416.67$100.00$31.94$0.00$3,583.37$248,224.07
257May 1, 2047$248,224.07$1,825.58$1,241.12$416.67$100.00$31.94$0.00$3,583.37$246,398.49
258June 1, 2047$246,398.49$1,834.71$1,231.99$416.67$100.00$31.94$0.00$3,583.37$244,563.79
259July 1, 2047$244,563.79$1,843.88$1,222.82$416.67$100.00$31.94$0.00$3,583.37$242,719.90
260August 1, 2047$242,719.90$1,853.10$1,213.60$416.67$100.00$31.94$0.00$3,583.37$240,866.80
261September 1, 2047$240,866.80$1,862.37$1,204.33$416.67$100.00$31.94$0.00$3,583.37$239,004.44
262October 1, 2047$239,004.44$1,871.68$1,195.02$416.67$100.00$31.94$0.00$3,583.37$237,132.76
263November 1, 2047$237,132.76$1,881.04$1,185.66$416.67$100.00$31.94$0.00$3,583.37$235,251.72
264December 1, 2047$235,251.72$1,890.44$1,176.26$416.67$100.00$31.94$0.00$3,583.37$233,361.28
265January 1, 2048$233,361.28$1,899.89$1,166.81$416.67$100.00$31.94$0.00$3,583.37$231,461.38
266February 1, 2048$231,461.38$1,909.39$1,157.31$416.67$100.00$31.94$0.00$3,583.37$229,551.99
267March 1, 2048$229,551.99$1,918.94$1,147.76$416.67$100.00$31.94$0.00$3,583.37$227,633.05
268April 1, 2048$227,633.05$1,928.54$1,138.17$416.67$100.00$31.94$0.00$3,583.37$225,704.51
269May 1, 2048$225,704.51$1,938.18$1,128.52$416.67$100.00$31.94$0.00$3,583.37$223,766.33
270June 1, 2048$223,766.33$1,947.87$1,118.83$416.67$100.00$31.94$0.00$3,583.37$221,818.46
271July 1, 2048$221,818.46$1,957.61$1,109.09$416.67$100.00$31.94$0.00$3,583.37$219,860.86
272August 1, 2048$219,860.86$1,967.40$1,099.30$416.67$100.00$31.94$0.00$3,583.37$217,893.46
273September 1, 2048$217,893.46$1,977.23$1,089.47$416.67$100.00$31.94$0.00$3,583.37$215,916.23
274October 1, 2048$215,916.23$1,987.12$1,079.58$416.67$100.00$31.94$0.00$3,583.37$213,929.11
275November 1, 2048$213,929.11$1,997.06$1,069.65$416.67$100.00$31.94$0.00$3,583.37$211,932.05
276December 1, 2048$211,932.05$2,007.04$1,059.66$416.67$100.00$31.94$0.00$3,583.37$209,925.01
277January 1, 2049$209,925.01$2,017.08$1,049.63$416.67$100.00$31.94$0.00$3,583.37$207,907.93
278February 1, 2049$207,907.93$2,027.16$1,039.54$416.67$100.00$31.94$0.00$3,583.37$205,880.77
279March 1, 2049$205,880.77$2,037.30$1,029.40$416.67$100.00$31.94$0.00$3,583.37$203,843.48
280April 1, 2049$203,843.48$2,047.48$1,019.22$416.67$100.00$31.94$0.00$3,583.37$201,795.99
281May 1, 2049$201,795.99$2,057.72$1,008.98$416.67$100.00$31.94$0.00$3,583.37$199,738.27
282June 1, 2049$199,738.27$2,068.01$998.69$416.67$100.00$31.94$0.00$3,583.37$197,670.26
283July 1, 2049$197,670.26$2,078.35$988.35$416.67$100.00$31.94$0.00$3,583.37$195,591.91
284August 1, 2049$195,591.91$2,088.74$977.96$416.67$100.00$31.94$0.00$3,583.37$193,503.17
285September 1, 2049$193,503.17$2,099.19$967.52$416.67$100.00$31.94$0.00$3,583.37$191,403.98
286October 1, 2049$191,403.98$2,109.68$957.02$416.67$100.00$31.94$0.00$3,583.37$189,294.30
287November 1, 2049$189,294.30$2,120.23$946.47$416.67$100.00$31.94$0.00$3,583.37$187,174.07
288December 1, 2049$187,174.07$2,130.83$935.87$416.67$100.00$31.94$0.00$3,583.37$185,043.24
289January 1, 2050$185,043.24$2,141.48$925.22$416.67$100.00$31.94$0.00$3,583.37$182,901.76
290February 1, 2050$182,901.76$2,152.19$914.51$416.67$100.00$31.94$0.00$3,583.37$180,749.57
291March 1, 2050$180,749.57$2,162.95$903.75$416.67$100.00$31.94$0.00$3,583.37$178,586.61
292April 1, 2050$178,586.61$2,173.77$892.93$416.67$100.00$31.94$0.00$3,583.37$176,412.85
293May 1, 2050$176,412.85$2,184.64$882.06$416.67$100.00$31.94$0.00$3,583.37$174,228.21
294June 1, 2050$174,228.21$2,195.56$871.14$416.67$100.00$31.94$0.00$3,583.37$172,032.65
295July 1, 2050$172,032.65$2,206.54$860.16$416.67$100.00$31.94$0.00$3,583.37$169,826.11
296August 1, 2050$169,826.11$2,217.57$849.13$416.67$100.00$31.94$0.00$3,583.37$167,608.54
297September 1, 2050$167,608.54$2,228.66$838.04$416.67$100.00$31.94$0.00$3,583.37$165,379.88
298October 1, 2050$165,379.88$2,239.80$826.90$416.67$100.00$31.94$0.00$3,583.37$163,140.08
299November 1, 2050$163,140.08$2,251.00$815.70$416.67$100.00$31.94$0.00$3,583.37$160,889.08
300December 1, 2050$160,889.08$2,262.26$804.45$416.67$100.00$31.94$0.00$3,583.37$158,626.83
301January 1, 2051$158,626.83$2,273.57$793.13$416.67$100.00$31.94$0.00$3,583.37$156,353.26
302February 1, 2051$156,353.26$2,284.93$781.77$416.67$100.00$31.94$0.00$3,583.37$154,068.32
303March 1, 2051$154,068.32$2,296.36$770.34$416.67$100.00$31.94$0.00$3,583.37$151,771.96
304April 1, 2051$151,771.96$2,307.84$758.86$416.67$100.00$31.94$0.00$3,583.37$149,464.12
305May 1, 2051$149,464.12$2,319.38$747.32$416.67$100.00$31.94$0.00$3,583.37$147,144.74
306June 1, 2051$147,144.74$2,330.98$735.72$416.67$100.00$31.94$0.00$3,583.37$144,813.77
307July 1, 2051$144,813.77$2,342.63$724.07$416.67$100.00$31.94$0.00$3,583.37$142,471.13
308August 1, 2051$142,471.13$2,354.35$712.36$416.67$100.00$31.94$0.00$3,583.37$140,116.79
309September 1, 2051$140,116.79$2,366.12$700.58$416.67$100.00$31.94$0.00$3,583.37$137,750.67
310October 1, 2051$137,750.67$2,377.95$688.75$416.67$100.00$31.94$0.00$3,583.37$135,372.72
311November 1, 2051$135,372.72$2,389.84$676.86$416.67$100.00$31.94$0.00$3,583.37$132,982.89
312December 1, 2051$132,982.89$2,401.79$664.91$416.67$100.00$31.94$0.00$3,583.37$130,581.10
313January 1, 2052$130,581.10$2,413.80$652.91$416.67$100.00$31.94$0.00$3,583.37$128,167.30
314February 1, 2052$128,167.30$2,425.86$640.84$416.67$100.00$31.94$0.00$3,583.37$125,741.44
315March 1, 2052$125,741.44$2,437.99$628.71$416.67$100.00$31.94$0.00$3,583.37$123,303.45
316April 1, 2052$123,303.45$2,450.18$616.52$416.67$100.00$31.94$0.00$3,583.37$120,853.26
317May 1, 2052$120,853.26$2,462.43$604.27$416.67$100.00$31.94$0.00$3,583.37$118,390.83
318June 1, 2052$118,390.83$2,474.75$591.95$416.67$100.00$31.94$0.00$3,583.37$115,916.08
319July 1, 2052$115,916.08$2,487.12$579.58$416.67$100.00$31.94$0.00$3,583.37$113,428.96
320August 1, 2052$113,428.96$2,499.56$567.14$416.67$100.00$31.94$0.00$3,583.37$110,929.41
321September 1, 2052$110,929.41$2,512.05$554.65$416.67$100.00$31.94$0.00$3,583.37$108,417.35
322October 1, 2052$108,417.35$2,524.61$542.09$416.67$100.00$31.94$0.00$3,583.37$105,892.74
323November 1, 2052$105,892.74$2,537.24$529.46$416.67$100.00$31.94$0.00$3,583.37$103,355.50
324December 1, 2052$103,355.50$2,549.92$516.78$416.67$100.00$31.94$0.00$3,583.37$100,805.58
325January 1, 2053$100,805.58$2,562.67$504.03$416.67$100.00$31.94$0.00$3,583.37$98,242.90
326February 1, 2053$98,242.90$2,575.49$491.21$416.67$100.00$31.94$0.00$3,583.37$95,667.42
327March 1, 2053$95,667.42$2,588.36$478.34$416.67$100.00$31.94$0.00$3,583.37$93,079.05
328April 1, 2053$93,079.05$2,601.31$465.40$416.67$100.00$31.94$0.00$3,583.37$90,477.75
329May 1, 2053$90,477.75$2,614.31$452.39$416.67$100.00$31.94$0.00$3,583.37$87,863.44
330June 1, 2053$87,863.44$2,627.38$439.32$416.67$100.00$31.94$0.00$3,583.37$85,236.05
331July 1, 2053$85,236.05$2,640.52$426.18$416.67$100.00$31.94$0.00$3,583.37$82,595.53
332August 1, 2053$82,595.53$2,653.72$412.98$416.67$100.00$31.94$0.00$3,583.37$79,941.81
333September 1, 2053$79,941.81$2,666.99$399.71$416.67$100.00$31.94$0.00$3,583.37$77,274.82
334October 1, 2053$77,274.82$2,680.33$386.37$416.67$100.00$31.94$0.00$3,583.37$74,594.49
335November 1, 2053$74,594.49$2,693.73$372.97$416.67$100.00$31.94$0.00$3,583.37$71,900.76
336December 1, 2053$71,900.76$2,707.20$359.50$416.67$100.00$31.94$0.00$3,583.37$69,193.56
337January 1, 2054$69,193.56$2,720.73$345.97$416.67$100.00$31.94$0.00$3,583.37$66,472.83
338February 1, 2054$66,472.83$2,734.34$332.36$416.67$100.00$31.94$0.00$3,583.37$63,738.49
339March 1, 2054$63,738.49$2,748.01$318.69$416.67$100.00$31.94$0.00$3,583.37$60,990.48
340April 1, 2054$60,990.48$2,761.75$304.95$416.67$100.00$31.94$0.00$3,583.37$58,228.74
341May 1, 2054$58,228.74$2,775.56$291.14$416.67$100.00$31.94$0.00$3,583.37$55,453.18
342June 1, 2054$55,453.18$2,789.44$277.27$416.67$100.00$31.94$0.00$3,583.37$52,663.74
343July 1, 2054$52,663.74$2,803.38$263.32$416.67$100.00$31.94$0.00$3,583.37$49,860.36
344August 1, 2054$49,860.36$2,817.40$249.30$416.67$100.00$31.94$0.00$3,583.37$47,042.96
345September 1, 2054$47,042.96$2,831.49$235.21$416.67$100.00$31.94$0.00$3,583.37$44,211.48
346October 1, 2054$44,211.48$2,845.64$221.06$416.67$100.00$31.94$0.00$3,583.37$41,365.83
347November 1, 2054$41,365.83$2,859.87$206.83$416.67$100.00$31.94$0.00$3,583.37$38,505.96
348December 1, 2054$38,505.96$2,874.17$192.53$416.67$100.00$31.94$0.00$3,583.37$35,631.79
349January 1, 2055$35,631.79$2,888.54$178.16$416.67$100.00$31.94$0.00$3,583.37$32,743.25
350February 1, 2055$32,743.25$2,902.98$163.72$416.67$100.00$31.94$0.00$3,583.37$29,840.26
351March 1, 2055$29,840.26$2,917.50$149.20$416.67$100.00$31.94$0.00$3,583.37$26,922.76
352April 1, 2055$26,922.76$2,932.09$134.61$416.67$100.00$31.94$0.00$3,583.37$23,990.68
353May 1, 2055$23,990.68$2,946.75$119.95$416.67$100.00$31.94$0.00$3,583.37$21,043.93
354June 1, 2055$21,043.93$2,961.48$105.22$416.67$100.00$31.94$0.00$3,583.37$18,082.45
355July 1, 2055$18,082.45$2,976.29$90.41$416.67$100.00$31.94$0.00$3,583.37$15,106.16
356August 1, 2055$15,106.16$2,991.17$75.53$416.67$100.00$31.94$0.00$3,583.37$12,114.99
357September 1, 2055$12,114.99$3,006.13$60.57$416.67$100.00$31.94$0.00$3,583.37$9,108.86
358October 1, 2055$9,108.86$3,021.16$45.54$416.67$100.00$31.94$0.00$3,583.37$6,087.71
359November 1, 2055$6,087.71$3,036.26$30.44$416.67$100.00$31.94$0.00$3,583.37$3,051.44
360December 1, 2055$3,051.44$3,051.44$15.26$416.67$100.00$31.94$0.00$3,583.37$0.00

Understanding VA Home Loan Mortgage Calculator: A Comprehensive Guide for Veterans

A VA home loan mortgage calculator is an essential financial tool designed specifically for veterans, active-duty service members, and eligible homebuyers seeking to understand their mortgage payment obligations and home-buying options. This specialized calculator helps you calculate monthly payments for VA loans, determine how much house you can afford based on your income, analyze required interest rates to meet your payment goals, explore VA loan benefits including funding fees, and plan your home purchase with zero down payment options and no PMI requirements. Whether you're purchasing your first home, refinancing an existing mortgage, or exploring different loan scenarios, understanding how VA home loan mortgage calculators work can save you thousands of dollars and provide clarity in your home-buying journey.

What is a VA Home Loan Mortgage Calculator?

A VA home loan mortgage calculator is a digital tool that computes monthly mortgage payments, total interest costs, amortization schedules, affordability calculations, and required interest rates based on your loan parameters. These calculators take into account factors such as home price, down payment (VA loans allow 0% down payment), interest rate, loan term, property taxes, home insurance, VA funding fees, and special considerations unique to VA loans. For veterans and active-duty service members, these tools provide accurate payment estimates tailored to VA loan benefits and unique mortgage structures that differ significantly from conventional loans.

Modern VA home loan mortgage calculators have evolved beyond simple payment calculations. Today's tools can help you determine affordability based on your income and debt-to-income ratio, calculate VA loan benefits including funding fees (which vary based on first-time use, down payment amount, and service status), analyze required interest rates to achieve your target monthly payment, compare different loan scenarios, and even export complete amortization schedules to CSV for detailed financial planning. For veterans and service members, VA loan calculators provide specialized insights into zero-down-payment options, VA funding fees, and the unique benefits of VA loans compared to conventional mortgages.

VA Loan Benefits and Features

VA loans offer significant advantages for eligible veterans and service members. One of the most notable benefits is the ability to purchase a home with zero down payment, making homeownership more accessible. VA loans also don't require private mortgage insurance (PMI), which can save borrowers hundreds of dollars per month compared to conventional loans with less than 20% down payment. However, VA loans do include a funding fee, which varies based on whether it's your first-time use of the VA loan benefit, your down payment amount, and whether you're a regular military member or reservist.

The VA funding fee structure is designed to offset the cost of the VA loan program to taxpayers. For first-time users with zero down payment, the funding fee is typically 2.3% of the loan amount. This fee can be paid upfront or financed into the loan. For subsequent use or with larger down payments (5-9.99% down payment: 1.65% fee; 10% or more: 1.4% fee), the funding fee decreases. Understanding how the VA funding fee affects your total loan amount and monthly payment is crucial when using a VA home loan mortgage calculator to plan your home purchase.

VA Home Loan Mortgage Payment Calculator

A VA home loan mortgage payment calculator helps you understand your monthly payment obligations for a VA loan. This calculator takes into account your home price, down payment (which can be zero for VA loans), interest rate, loan term, property taxes, home insurance, HOA fees, and VA funding fees. The calculator provides a detailed breakdown of your monthly payment, showing how much goes toward principal, interest, property taxes, insurance, and funding fees. This transparency helps you understand your total monthly housing cost and plan your budget accordingly.

The veterans home loan mortgage calculator helps you answer questions like "how much will my mortgage be with a VA loan?" by providing accurate payment estimates based on your specific loan parameters. By adjusting different variables such as home price, interest rate, and loan term, you can see how these factors affect your monthly payment. This helps you make informed decisions about your home purchase and understand the financial commitment you're making.

VA Home Loan Mortgage Affordability Calculator

A VA home loan mortgage affordability calculator helps you determine how much house you can afford based on your income, existing debt payments, and debt-to-income ratio. This calculator is particularly valuable for veterans and service members who want to understand their home-buying power before starting their home search. By entering your annual income, monthly debt payments, desired interest rate, and loan term, the calculator determines the maximum home price you can afford while staying within recommended debt-to-income ratios.

The VA home loan mortgage affordability calculator answers the question "how much house can I afford with a VA loan?" by calculating your maximum monthly payment based on your income and debt obligations, then working backwards to determine the maximum home price you can afford. This calculator takes into account VA loan benefits such as zero down payment and no PMI, which can increase your purchasing power compared to conventional loans. Understanding your affordability helps you set realistic expectations and focus your home search on properties within your budget.

VA Home Loan Mortgage Rate Calculator

A VA home loan mortgage rate calculator helps you determine what interest rate you would need to achieve a specific monthly payment goal. This calculator is useful when you have a target monthly payment in mind and want to know what interest rate would be required to achieve that payment. By entering your home price, down payment, loan term, property taxes, insurance, and target monthly payment, the calculator determines the required interest rate through iterative calculations.

The VA home loan mortgage rate calculator helps you understand how interest rates affect your monthly payment and total loan cost. This calculator is particularly valuable when comparing different loan offers or when you want to understand what interest rate you need to qualify for to achieve your payment goals. By understanding the relationship between interest rates and monthly payments, you can make more informed decisions about your loan terms and negotiate better rates with lenders.

Veterans United Home Loan Mortgage Calculator

Veterans United is one of the largest VA loan lenders in the United States, and many veterans search for a "veterans united home loan mortgage calculator" to understand their loan options. While Veterans United provides their own calculators, our comprehensive VA home loan mortgage calculator provides similar functionality and can help you understand your loan options regardless of which lender you choose. Our calculator helps you compare different loan scenarios, understand your payment obligations, and determine your affordability before you even contact a lender.

Using a VA home loan mortgage calculator before contacting lenders like Veterans United helps you come prepared with realistic expectations and a better understanding of your loan options. This preparation can help you ask better questions, negotiate more effectively, and make more informed decisions about your home loan. Whether you're working with Veterans United, Navy Federal Credit Union, or another VA loan lender, understanding your loan structure beforehand is crucial for financial success.

Strategic Advantages of Using a VA Home Loan Mortgage Calculator

  • Zero Down Payment Planning: Understand how VA loans allow you to purchase a home with no down payment, maximizing your purchasing power.
  • No PMI Benefits: See how VA loans save you money by not requiring private mortgage insurance, even with zero down payment.
  • Funding Fee Understanding: Calculate how VA funding fees affect your total loan amount and monthly payment.
  • Affordability Analysis: Determine how much house you can afford based on your income and debt obligations.
  • Rate Comparison: Understand what interest rates you need to achieve your payment goals.
  • Budget Planning: Understand your monthly payment obligations before committing to a home loan.
  • Loan Comparison: Compare different loan scenarios and terms to find the best option for your situation.
  • Financial Planning: Plan for future expenses and understand long-term financial commitments.
  • Amortization Analysis: Understand how your loan balance and interest payments change over time.
  • CSV Export: Export amortization schedules for detailed financial modeling and planning.

Conclusion

A VA home loan mortgage calculator is an indispensable tool for veterans, active-duty service members, and anyone considering or managing a VA home loan. Whether you're exploring VA loan benefits, calculating monthly payments, determining affordability, analyzing required interest rates, or planning your home purchase, understanding your VA loan structure is crucial for financial success. With features like payment calculations, affordability analysis, rate calculations, amortization schedules, and CSV export capabilities, modern calculators provide comprehensive support for your homeownership journey. From comparing loan offers to planning your budget, a VA home loan mortgage calculator empowers you to make informed decisions and achieve your homeownership goals with confidence.