VA Loan Calculator
VA Loan Calculator
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VA Mortgage Loan Details
Additional Costs
Annual property tax as % of home value
One-time fee (0% if disabled, 2.3% first use, 3.6% subsequent)
Compare Loan Terms
Loan Summary
Monthly Payment
$2,080.77
+ $550.00/mo additional costs
Total: $2630.77/mo
30 years at 6.50% APR
Loan Details
Total Cost
First Year Payment Breakdown
| Month | Principal | Interest | Balance |
|---|---|---|---|
| 1 | $297.6 | $1,783.17 | $328,902 |
| 2 | $299.21 | $1,781.55 | $328,603 |
| 3 | $300.83 | $1,779.93 | $328,302 |
| 4 | $302.46 | $1,778.3 | $328,000 |
| 5 | $304.1 | $1,776.67 | $327,696 |
| 6 | $305.75 | $1,775.02 | $327,390 |
| 7 | $307.41 | $1,773.36 | $327,083 |
| 8 | $309.07 | $1,771.7 | $326,774 |
| 9 | $310.74 | $1,770.02 | $326,463 |
| 10 | $312.43 | $1,768.34 | $326,150 |
| 11 | $314.12 | $1,766.65 | $325,836 |
| 12 | $315.82 | $1,764.95 | $325,520 |
Early payments are mostly interest. Principal portion increases over time.
Principal vs Interest Over Time
Term Comparison
Loan Balance Over Time
🎖️ VA Loan Benefits
- •No down payment required in most cases
- •No PMI/MIP required ever
- •Competitive interest rates
- •Can reuse VA loan benefit multiple times
- •No prepayment penalties
- •Assumable loans
- •Limited closing costs
💡 Tips
- • No down payment required in most cases
- • No PMI/MIP required
- • Competitive interest rates
- • Can reuse VA loan benefit
- • No prepayment penalties
⚠️ Important Considerations
- • VA funding fee applies (unless exempt)
- • Must meet VA eligibility requirements
- • Property must meet VA minimum property requirements
- • Loan limits apply based on county
Key Financial Terms
Understand the essential concepts behind this calculator
Frequently Asked Questions
Common questions about the VA Loan Calculator
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⚠️ Important Disclaimer
This VA Loan Calculator provides estimates for educational and informational purposes only. Actual results may vary significantly based on individual circumstances, market conditions, regulatory changes, and other factors beyond the scope of this calculator.
The calculations and projections provided are based on assumptions and historical data that may not reflect future performance.Past performance does not guarantee future results.
This tool is not financial advice, tax advice, legal advice, or investment advice. For personalized guidance tailored to your specific situation, please consult with qualified professionals including:
- Certified Financial Planner (CFP)
- Certified Public Accountant (CPA) for tax matters
- Licensed attorney for legal matters
- Registered Investment Advisor (RIA) for investment decisions
Data Accuracy: All data sources, statistics, and rates were verified as accurate as of October 2025. Tax rates, market conditions, and other financial data change over time. Always verify current rates and consult official sources.
No Warranties: While we strive for accuracy, we make no warranties or guarantees regarding the accuracy, completeness, or reliability of any information provided. Use this tool at your own risk.