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VA Loan Calculator (US)

Full PITI for a US Department of Veterans Affairs home loan: the funding fee at the official rate for first use, subsequent use or an exemption, financed into the loan or paid in cash, plus property tax, insurance and HOA. VA loans carry no mortgage insurance, so the funding fee is the whole of the extra cost.

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VA Loan Calculator (US) works straight from this page — free, instant, nothing to install. It covers the funding fee at the official rate for first use, subsequent use or an exemption, financed into the loan or paid in cash, plus property tax, insurance and HOA. VA loans carry no mortgage insurance, so the funding fee is the whole of the extra cost — adjust any of them and the result follows immediately.

How to use it

  1. Open the tool — no signup or install needed.
  2. Enter your input or adjust the available options.
  3. Get your result instantly, then copy or download it.

Frequently asked questions

What does VA Loan Calculator (US) do?

Full PITI for a US Department of Veterans Affairs home loan: the funding fee at the official rate for first use, subsequent use or an exemption, financed into the loan or paid in cash, plus property tax, insurance and HOA. VA loans carry no mortgage insurance, so the funding fee is the whole of the extra cost.

What does it take into account?

It factors in the funding fee at the official rate for first use, subsequent use or an exemption, financed into the loan or paid in cash, plus property tax, insurance and HOA. VA loans carry no mortgage insurance, so the funding fee is the whole of the extra cost. Change any of them and the output follows immediately.

When would I actually use this?

Before making an offer: what the bank will lend, what the purchase costs on top of the price, and how much deposit closes the gap.

What is the most common mistake?

Budgeting for the price and forgetting the acquisition costs. Notary fees, transfer duty and registration add between 2% and 15% depending on the country — enough to sink an offer.

How is VA Loan Calculator (US) different from FHA loan calculator?

They sit next to each other but answer different questions: FHA loan calculator is the one to open when you need it to estimate the payment on an FHA-insured mortgage. It applies the minimum down payment for your credit score (3.5% at 580+, 10% at 500–579), finances the 1.75% upfront mortgage insurance premium (UFMIP), adds the monthly annual MIP, and totals principal, interest and insurance — plus optional taxes, home insurance and HOA. Pick whichever matches what you're starting from — both are free.

Is there a tool for the next step?

Land loan calculator is the closest one after this: Work out the payment on a land or lot loan. Enter the price, a down payment (percent or amount), the rate and the term, and optionally a balloon: the payment amortises over the full term while the calculator shows the balance still owed when the balloon comes due. Raw land usually carries higher rates and larger down payments than improved lots.

What else is worth having open alongside it?

Loan-to-value (LTV) calculator and Construction loan calculator — they come up in the same task often enough to be worth a second tab.

Where do the figures come from?

Fee scales and duty rates are published per country and per region, and they change with each finance act. Lending limits also depend on the bank's own policy, not only on the regulator's debt-to-income cap.

Further reading

All guides →
ExplainerVA Loans: The Funding Fee and What You Are Not PayingNo down payment, no mortgage insurance at any loan-to-value ratio, and one funding fee — 2.15 percent on a first-use purchase with nothing down, waived entirely for disability-compensated veterans. On a $400,000 house that $8,600 fee equals between two and seven years of the private mortgage insurance it replaces.ExplainerWhat Is Loan-to-Value (LTV), and Which Bands Actually Change AnythingLoan divided by the lower of price and appraised value. The bands at 80, 90 and 95 percent are where pricing steps — and a valuation that comes in low moves you across one without you touching the deposit.ExplainerA Construction Loan Is Not a MortgageFunds arrive in stages and interest accrues only on what has been drawn. On a $400,000 facility at 8.5 percent over twelve months, that is $18,062.50 rather than the $34,000 the headline rate implies — 53.13 percent of it.GuideHow to Budget a Home Renovation Without a Single Made-Up NumberThere is no honest single figure for a renovation. Build it up by work type, accept that labour is the biggest and least predictable line, and hold 10 to 20 percent back for what the survey could not see.How-toHow to Compare Price Per Square Foot Without Comparing Two Different ThingsThe division takes a second; the trap is the area. A listing that looks 6 percent cheaper per square foot turns out to be 17 percent more expensive once both are measured the same way.ExplainerFinancing Land Is the Hardest Money to BorrowLarger deposit, shorter term, higher rate, and a balloon at year five. On the same $120,000 plot, the land loan costs $768.10 a month against a mortgage's $606.79 — and demands $18,000 more at closing.