VA Loan Calculator
Payment with the VA funding fee and no down payment. Change the numbers and the result updates instantly.
How it works
VA loans are for eligible veterans, service members and some surviving spouses. They need no down payment and no monthly mortgage insurance. Most borrowers pay a one-time funding fee, which depends on your down payment and whether it is your first VA loan, and which can be financed. Veterans with a service-connected disability may be exempt.
Example
Example: a $400,000 home with no down payment and a 2.15% first-use funding fee adds $8,600 to the loan. Pick your funding fee in the calculator to see the effect. Confirm your eligibility and fee with the VA.
Tips
- Change one input at a time to see what moves the result most.
- Use realistic rates. Check current averages before you decide.
- Results are estimates and do not replace advice from a licensed professional.
Frequently asked questions
Is this calculator free?
Yes. There is no sign-up and nothing is stored on our servers; the math runs in your browser.
How accurate is it?
It uses standard formulas, but real offers include fees, rate changes and taxes that can differ. Treat the result as an estimate.
Sources and method
Page last updated November 2026. See our editorial policy and disclaimer.