VA Home Loan Calculator
Estimate your full monthly VA loan payment — principal, interest, taxes, insurance, and HOA — with the VA funding fee included and no monthly mortgage insurance, ever. VA loans allow qualifying veterans to buy with $0 down.
See our VA Funding Fee Calculator for the fee alone, or all our calculators.
Glossary
The VA funding fee replaces private mortgage insurance entirely, regardless of down payment size. A $0-down VA loan never carries monthly PMI, unlike a conventional loan with less than 20% down.
No — eligible veterans with full entitlement can finance up to 100% of the purchase price with no down payment. A down payment still reduces your funding fee tier and your loan balance, but it isn’t required.
Most VA borrowers finance it into the loan to minimize cash due at closing, which this calculator does by default. Paying it in cash instead lowers your loan balance and total interest paid over the life of the loan.
Yes — a VA appraisal, title insurance, attorney fees, and other standard closing costs still apply (though VA rules cap certain fees the lender can charge). The funding fee replaces mortgage insurance specifically, not closing costs generally.