VA Mortgage Calculator
Estimate VA loan payments. VA loans require 0% down, no PMI, but include a one-time funding fee.
Inputs
Monthly P&I payment
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VA funding fee
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Total loan (incl. fee)
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Total interest over term
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Total paid over term
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About VA Mortgage Calculator
No PMI
VA loans never require mortgage insurance, even with 0% down. The one-time funding fee replaces PMI economics. Over 5+ years, this saves tens of thousands vs conventional or FHA.
Eligibility
Active duty (90+ days), veterans (90 days wartime / 181 days peacetime), National Guard / Reserves (6+ years), spouses of fallen service members. Certificate of Eligibility (COE) required.
Reusable benefit
You can use the VA loan benefit multiple times, sometimes simultaneously. The funding fee is higher on subsequent uses but the 0%-down advantage continues for life.