VA Mortgage Calculator
Estimate a VA loan payment with the funding fee.
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About the VA Mortgage Calculator
VA loans let eligible veterans and service members buy with no down payment and no monthly mortgage insurance, but most borrowers pay a one-time VA funding fee that's usually rolled into the loan. Enter the home price, funding fee percentage, interest rate, and term to see your monthly payment, the total loan amount including the fee, and the fee itself.
How to use the VA Mortgage Calculator
- 01Enter your home price, VA funding fee %, interest rate, and term.
- 02Read the result instantly — it recalculates as you type.
- 03Adjust the numbers to model different scenarios.
Frequently asked questions
What is the VA funding fee?
A one-time fee (typically ~1.25–3.3% of the loan) that funds the VA program. It's usually financed into the loan, and some veterans are exempt.
Do VA loans have mortgage insurance?
No — VA loans require no monthly mortgage insurance, which is a big advantage over FHA and low-down conventional loans.