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VA Loan Calculator

Estimate a $0-down VA payment, including the one-time funding fee.

National average benchmark, not a quote. Edit to your scenario.

Estimated monthly payment

$3,094

No monthly PMI on VA loans

Principal & interest$2,577
Property taxes$367
Home insurance$150
VA funding fee$8,600
Loan amount$408,600

Estimates only. Your actual numbers depend on your loan, credit, and property. Funding fee amounts vary by service and use. Some veterans are exempt. This isn't a determination of eligibility.

How do I read this VA estimate?

The big number is your estimated monthly payment with no monthly mortgage insurance, since VA loans don't charge it. The breakdown shows principal and interest, taxes, insurance, and your one-time funding fee. Try toggling whether you finance the fee to see how it changes your loan amount and payment.

Should I roll the funding fee into the loan?

Rolling the funding fee in means less cash at closing but a slightly higher loan balance and payment. Paying it up front keeps your loan smaller. Neither is automatically better, it depends on how much cash you want to keep on hand. I can walk through both side by side so the trade-off is clear before you decide.

Common questions

VA loans often allow $0 down and don't charge monthly mortgage insurance, which can make the payment lower than other loans at the same price. Most borrowers pay a one-time VA funding fee instead. This calculator estimates your payment with that fee, whether you pay it up front or roll it in.

The VA funding fee is a one-time fee that helps keep the program running. The percentage depends on your down payment and whether it's your first VA loan. Some veterans, like those receiving disability compensation, may be exempt. You can pay it at closing or finance it into your loan amount.

Qualified buyers can often finance up to the full purchase price with no down payment on eligible loans. That's one of the program's biggest benefits. A down payment isn't required in many cases, though putting some money down can lower your funding fee and your monthly payment.

Last updated: June 5, 2026

This calculator is for educational estimates only. It isn't an offer to lend, a quote, or a commitment to make a loan. Your actual numbers depend on your loan, credit, property, and other factors. Rates and programs may change without notice.

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