Mortgage & Real Estate
VA Mortgage Calculator
Estimate a VA-style home loan payment with taxes, insurance, and any financed funding fee included.
Best for: Estimate a VA-style mortgage payment including any financed funding fee, taxes, insurance, and HOA dues.
Your result
VA Mortgage estimate
- Estimated monthly payment
- $3,326.98
- Principal and interest
- $2,726.98
- Taxes, insurance, and HOA
- $600.00
- Total interest over term
- $531,711.55
How to use this va mortgage calculator
Use this VA mortgage calculator to estimate a payment after accounting for the financed loan amount and recurring property costs. Funding-fee status, exemption, eligibility, and closing costs must be confirmed separately.
- 1
Build the VA loan amount
Enter the home price including any funding fee that would be financed and subtract the planned down payment.
- 2
Add recurring property costs
Use the offered rate and include taxes, homeowners insurance, and HOA dues.
- 3
Compare funding-fee scenarios
Run the estimate with the applicable financed fee and without it if an exemption may apply.
Worked planning example
Example: financed funding fee versus fee exemption
Set up
Model the expected home price, down payment, rate, term, and complete recurring housing costs.
Compare
Compare a case with the applicable funding fee included in the loan amount with an exempt case, if relevant.
Takeaway
Financing the fee reduces cash due at closing but increases the balance used to calculate principal and interest.
Confirm benefits and fees for the individual borrower
VA-backed loans can reduce certain barriers, but lenders still determine rates and many costs.
- Confirm Certificate of Eligibility and funding-fee exemption status.
- Only the funding fee, not all purchase closing costs, may generally be financed.
- Compare lender rates, discount points, and the official Loan Estimate.
Calculation methodology and assumptions
This is a payment-planning estimate, not an eligibility determination. Enter any financed VA funding fee in the home price and confirm exemptions and current fee rules with the VA or a lender.
Primary references
Frequently asked questions
Does a VA loan always require a funding fee?
No. Some eligible borrowers are exempt. The amount can also depend on loan type, down payment, and prior use of the VA benefit.
Does a VA loan require monthly mortgage insurance?
VA states that its home loan program does not require monthly mortgage insurance, although other property and loan costs still apply.
Are all VA closing costs included?
No. Lender charges, discount points, appraisal, title, taxes, insurance, and other closing costs should be reviewed on the Loan Estimate.
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